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.A 



^nlrlic ^aaxmeniB ai SJassarl^ttSjetls : 



BBIHO TBI 



ANNUAL REPORTS 



or VABIOUS 



Public officers and Institutions 



FOB THE TBAB 



1896. 



PC7BUSBED BY THE SECRETARY OF THE COMMONWEALTH. 



Vol. VII. 



BOSTON : 
WRIGHT A POTTER PRINTING CO., STATE PRINTERS, : 

18 Post Office S<2Uare/ 
1897. 



.».''-• 



^.,.v 



■NIVERSITY or CHICAGO 
UBRARtftS 

266992 
MAHCHmO 



PUBLIC DOCUMENTS 



FOR THE YEAR 1896. 



Vol. I. 

Report of Secretary of the Commonwealth, . 
Report of Treasurer and Receiver-General, 
Report of Auditor of Accounts, . 
Report of Attorney-General, 
Report of Commissioner of Public Records, 



Doc. No. 

46 

5 

6 

12 

52 



Vol. II. 



Report of Tax Commissioner, 

Aggregates of Polls, Property and Taxes, . 
Abstract of Returns of Corporations, . . . . 
Report of Controller of County Accounts, . 
Report of State Board of Arbitration and Conciliation, 
Number of Assessed Polls, Registered Voters, etc.. 



16 
19 
10 
29 
40 
48 



Vol. III. 

Report of State Board of Lunacy and Charity, . 
Report of Tmstees of the Lyman and Industrial Schools, 
Report of Trustees of the Danvers Lunatic Hospital, . 
Report of Trustees of the Northampton Lunatic Hospital, 
Report of Trustees of the Taunton Lunatic Hospital, . 
Report of Trustees of the Worcester Lunatic Hospital, 



17 
18 
20 
21 
22 
23 



6 

Doc. No. 

Report of Trustees of the State Farm at Bridgewater, . . 24 
Report of Trustees of the State Almshouse at Tewksbury, . 26 
Report of Trustees of the Perkius Institution and Massachu- 
setts School for the Blind, 27 

Report of Trustees of the Massachusetts School for the 

Feeble-minded, 28 

Report of Trustees of the Westborough Insane Hospital, . 30 
Report of Trustees of the Massachusetts Hospital for Dipso- 
maniacs and Inebriates, 47 

Report of Trustees of the Med field Insane Asylum, . . 59 



Vol. IV. . 

Report of State Board of Health, 34 

Report of Board of Registration in Medicine, ... 56 



Vol. V. 

Report of Railroad Commissioners and Returns of Railroad 
Corporations, 14 



Vol. VI. 

Report of Commissioners of Savings Banks (Part I. — Sav- 
ings Banks, Institutions for Savings, Safe Deposit, Loan 
and Trust Companies. Part II. — Co-operative Banks, 
Collateral Loan Companies, Mortgage Loan and Invest- 
ment Companies) , 8 



Vol. Vn. 

Report of Insurance Commissioner (Part I. — Fire and 
Marine. Part II. — Life, Casualty and Assessment) , 



Vol. VIII. 



Report of Board of £dacation, • 
Report of Librarian of State Library, . 
Report of Free Public Library Commission, 



Doc No. 

2 

3 

44 



Vol. IX. 

Report of Secretary of the Board of Agriculture, 
Report of Board of Control of the Hatch Experiment Sta- 
tion, 

Report of the Massachusetts Agricultural College, 

Report of Board of Cattle Commissioners, . . . . 



33 
31 
51 



Vol. X. 

Report of Chief of the District Police, 
Report of Commissioner&r of Prisons, . 
Report of General Superintendent of Prisons, 
Report of Board of Police for City of Boston, 
Report of Board of Police for City of Fall River, 
Report of Adjutant General, 



32 
13 
41 
49 
58 
7 



Vol. XI. 

Report of Registration of Births, Marriages and Deaths, 
with Statistics of Divorce, and of Deaths investigated by 
the Medical Examiner, 

Report of Bureau of Statistics of Labor, .... 

Statistics of Manufactures, 

Report of Board of Gas and Electric Light Commissioners, . 

Report of Inspector of Gas Meters and Illuminating Gas, • 



1 
15 
36 
35 



55 



8 



Vol. XII. 

Dor. Xo. 

Report of Contested Elections (no report in 1896), . . 37 

Report of Commissioners on Inland Fisheries and Game, . 25 

Report of Board of Harbor and Land Commissioners, . . 11 

Report of Board of Metropolitan Park Commissioners, . 48 

Report of Massachosetts Board of Registration in Dentistry, 38 

Report of Massachusetts Board of Registration in Pharmacy, 39 

Report of Commissioners on Topographical Survey, . . 50 

Report of Civil Service Commissioners, .... 53 

Report of Massachusetts Highway Commission, ... 54 

Report of Metropolitan Water Board, 57 

Report of Board of Metropolitan Sewerage Commissioners, . 45 



PUBLIC DOCUMENT .... .... No. 9. 



FORTY-SECOND ANNUAL REPORT 



or TBI 



Insurance Commissioner 



OF THB 



C0mm0nbjiaIl]^ a( "^uBrntl^mtttB. 



January 1, 1897. 



PART I. 

FIRE AND MARINE INSURANCE 



BOSTON : 

WRIGHT & POTTER PRINTING CO., STATE PRINTERS, 

18 Post Oi-tice Squake. 
1897. 



TABLE OP CONTENTS. 



[F.or Index to compaolet, tee end of Volume.] 



COMMISSIONER'S REPORT. 

PAGE 

LXTRODUCTOBT, V 

COMPAKIES NOW TRANSACTING BUSINESS, CLASSI7IED, tI 

Companies actborizbd dubino 1896, tI 

Companies admitted since Jan. 1, 1897, tU 

Companies ceased to do business dvbino 1896, Tli 

Companies ceasing to do business since Jan. 1,1S97, yili 

The abbitbation pbotision, viil 

Restbictino companies to lawful yentubes, Ix 

Official examinations, ^ . . . . xl 

FiBE STATISTICS, Xl 

CONDITIOK OP COMPANIES IN HANDS OF BECBIVER8, XW-XyI 

The Fibm Mabshal's bepobt, xyi 

FIXANCB8 OP THE DEPABTMENT, XTU 

Conpabatitb tables, xix 

BfAMACMr SETTS MCTUAL FiBE InSUBANCE COMPANIES: 

CoroparatiTe Table A, xxl 

Massachusetts Mutual Fibe-Mabinb Iksubance Companies: 

Comparative Table B, . . . xxi 

Massachtsetts Joint-Stock Insubancb Companies: 

ComparatiTe Table C, xxii 

IxsuBANCE Companies of Othbb States: 

Comparatiye Table D, xxiii 

United States Bbanches of Foreign Insubancb Companies: 

Comparatire Table E, xxlv 

AOOBEOATBS of all the companies, XXV 

Massachusetts Business: 

Comparative Table F, xxvi 

CoMPABATtTE RATIOS, XXVi 

Table O. — Fire rlslKi written, premiams received and losses Incurred in 

Massacbasetts, xxvii 

StATianCAL TABLB0, XXlX 



IV TABLE OP CONTENTS. 

PAOK 

Massachusetts Mutual Fibb Insurancb Companibs: 

Table I. — Risks, assets, liabilities and surplus, xxx 

Table II. — Gross cash income and expenditures, premiams, losses and 

expenses, xxxii 

Massachusetts Mutual Fibb-Mabinb Insubanob Coupanibs: 

Table III. » Guaranty fnnd, scrip, risks, assets, liabilities and surplus, . xxxiv 
Table lY . — Gross cash income and expenditures, premiums, losses and 

expenses, xxxiv 

Massaomusbtts Joint-Stock Inrubanob Covpanibs: 

Table V. — Cash capital, risks, assets, liabilities and surplus, . . xxxv 
Table YI. — Risks written, premiums received and losses paid, . . xxxvi 
lable YII. — Gross cash income and expendituies, expenses and divi- 
dends, xxxyii 

Insubakce Coupanibs of Otbeb States: 

Table YIII. — Cash capital, risks, assets, liabilities and surplus, . . xxxviii 
Table IX. — Risks written, premiums received and losses paid, . . xli7 
Table X. — Gross cash income and expenditures, expenses and divi- 
dends I 

Ukitbd States Bbanches: 

Table XI. — Showing deposits, etc., Ivi 

Table XII. — Business of 1896, Mil 

Massachusetts Business in Detail: 

Table XIII. Ix 

Table XI Y. — Receipts and expenditures of the insurance department, • Ixv 

DETAILED STATEMENTS. 

Massachusetts mutual fire companies, 1 

Massachusetts mutual marine companies, • 101 

Massachusetts Joint-stock fire, marine and fire-marine companies, ... 107 

Fire, marine and fire-marine insurance companies of other States, ... 127 

United States branches of foreign companies, 383 

Appendix, • 467 



dDommontotalt^ td ^assar^usttts. 



Imsubakcb Department, Boston, April 5, 1897. 
To the Honorable ike Senate and ffotise of JRepresentcUivea, 

Herewith is submitted, in compliance with the provision^ of 
lawy Part I., relating to fire and marine insurance, of the forty- 
second annual report of the Insurance Commissioner. 

The history of the past year shows an additional mortality in 
the list of the comparatively new mercantile mutual fire insur- 
ance companies, concerning which comment was made in the 
last annual report. Some of these fell by the way not from 
their own erroneous methods or ill-considered practices, but 
were carried down by the weight of the misfortunes which 
overtook others of their class from ill-advised methods, un- 
digested plans and carelessness (to say nothing stronger) of 
the management, and by the distrust which had fallen upon 
them because of the mad race which had led quite a number of 
companies of this class into an unseemly struggle for a wide 
volume of business, unaccompanied by the safeguards and dis- 
cretion in business management which alone can make this line 
of insurance a success. It is exceedingly unfortunate that the 
good name which through a long period of years had been borne 
by the Massachusetts mutuals should have been smirched by 
the record of these comparatively recent events. 

The companies now transacting business in Massachusetts are 
classified as follows : — 



VI 



BEPOET OF THE 





Aathorlzed 

prtor to 
Jan« 1, 1807. 


Anthorlxad 

since 
Jan. 1, 1897. 


Massachusetts mutual fire, .... 
Massachusetts mutual marine, .... 

Massachusetts joint stock 

Companies of other States, .... 
United States branches of foreign companies, . 


54 
8 

6 
91 
36 


1 

9 
3 


Total, 


190 


13 



ChaDges in corporations authorized to transact business in 
the Commonwealth since the last report are as follows : — 



Companies authorized during the Year 1896. 




NAME OP COMPANY. 



Date of Anthorlty. 



Home Guaranty Mutual, . 

Business Men^s Mutual, . 

Teuton ia, 

National-Standard, . 

Schuylkill Fire, .... 

Svea Fire and Life, . 

Millers^ and Manufacturers* 
(Mutual Company), 

Victoria Fire, .... 

Eastern, 

Thnringia, 

Colonial Assurance, • 

Manufacturers^ and Merchants^ 

Empire City Fire, 

Helvetia Swiss, . . . . 

Firemen's, 

German Fire, .... 

Magdeburg Fire, 

Howard Fire, .... 



Lowell, . 

Boston, . 

New Orleans, La., 

New York, N. Y., 

Philadelphia, Pa., 

Gothenburg, Sweden, . 

Minneapolis, Minn., 
New York, N. Y., . 
New York, N. Y., . 
Erfurt, Germany, . 
New York, N. Y., . 
Pittsburg, Pa., 
New York, N. Y., . 
St. Gall, Switzerland, . 
Baltimore, Md., 
Pittsburg, Pa., 
Magdeburg, Germany, . 
Baltimore, Md., 



January 1. 

January 2. 

February 8. 

March 8. 

April 17. 

April 29. 

June 9. 

July 7. 

July 10. 

July 13. 

July 81. 

July 81. 

August 12. 
September L 
November 8. 
November 4. 
December 2. 
December 81. 



INSURANCE COMMISSIONER. 



VII 



Companies admitted since Jan. i, 1897. 



NAME OF COM PANT. 



Location. 



Date of Authority. 



Aachen and Munich, .... 

Insurance Company, State of New 

York. 
Farmers^ Fire, 

Harrard Mutual, 

Home Mutual, 

Grand Bapids Fire, . . . . 

Buffalo Commercial, . . . . 

Merchants' and Man u fact urcrs\ . 

German Alliance,. . . . . 

Transatlantic, 

Reliance Marine, 

Assurance Company of America, 

Underwriters at American Lloyds, 



Germany, . 

New York, . 

York, Pa., . 

% 
Boston, 

San Francisco, 

Grand Rapids, 

Buffalo, 

Baltimore, 

New York, 

Germany, 

England, 

New York, 

New York, 



January 21. 

January 21. 

January 25. 

February 3. 

February 1 2. 

February 15. 

February 15. 

February 25. 

February 27. 
March 



March 
March 
March 



4. 



9. 
23. 



27. 



Companies ceasing to do Business during the Tear 1896, 



NAME or COMPANY. 


Location. 


Dat< 


\. 


Bemarki. 


Wiuthrop Mutual Fire, . 


Boston, . 


Jan. 


6, 


Reinsured in Scottish 
Union and National. 


Standard Mutual Fire, ^, 


Boston, . 


April 


u. 


R. D. Weston-Smith, 
receiver. 


Central Mutual Fire, 


Boston, . 


May 


1. 


R. D. Weston-Smith, 
receiver. 


Warhusett Mutual Fire, . 


Fitchburg, . 


May 


18, 


Charles E. Ware, re- 
ceiver. 


Alilford Mutual Fire, . 


Milford, 


May 


26, 


Wendell Williams, 
receiver. 


Excelsior Mutual Fire, . 


Boston, . 


June 


12, 


Edward I. Baker, re- 
ceiver. 


Commerce Mutual Fire, . 


Boston, . 


July 


8. 


Godfrey Morse, re- 
ceiver. 


Equitable Marine, . 


Provincetown, 


Aug. 


19, 


Stockholders voted 
to dissolve. 


New England Mutual 


Boston, . 


Nov. 


18, 


Reinsured in Home 


Fire. 








Guaranty Mutual. 



VUl 



EEPORT OF THE 



Companies ceasing to do Business since Jan, i, 1897. 



NAME OF COMPA.NT. 


Location. 


Date. 


Remarks. 


Eastern Mutual Fire, 


Boston, . 


Feb. 2, 


Fred H. Kidder, re- 
cei\'er. 


Reliance Marine, . 


England, 


Mar. 8, 


License revoked • 


Continental Mutual Fire, 


Boston, . 


Mar. 22, 


Edward I. Baker, re- 
ceiver. 


Old Colony Mutual Fire, 


Boston, . 


Mar. 30, 


William B. French, 
receiver. 



* Readmitted tf arch 9. 



The Arbitration Provision. 

There is perhaps no provision in the Massachusetts standard 
form of fire policy which, after an experience of ten years, has 
proved more satisfactory to the insured than the one requiring 
that, whenever in case of loss a difference as to the amount to 
be paid exists between the company and the insured, this differ- 
ence be submitted to referees, in the choice of which the insured 
has an equal part with the company, whose decision as to the 
amount of the loss shall be final. Not a single case has been 
quoted during the above-named period in which this provision 
of law has been found to prove in its carrying out unjust to the 
insured. It has been urged against this condition, making the 
award of the referees final, that thereby the insured is ** deprived 
of his right to go to a jury of his peers." The suggestion is 
altogether a fallacious one. There is no sacredness about the 
number twelve as constituting a jury. The statutes of this 
Commonwealth provide for sheriffs' juries of a lesser number; 
indeed, there has appeared to be no sacredness about any 
particular number since the days of the Iron Hall, with its 
mysterious manipulation of the figure *« 7," once unfortunately 
authorized by the Legislature of the Commonwealth, and now, 
with the entire pestiferous brood of which it was the mother, 
swept into oblivion, leaving behind it evidence of fraud and of 
swindling upon the people of this Commonwealth to the extent 
of millions, as a reminder of its once existeuce. Under the 
referee clause in the standard policy the insured is given a jury 
of three, in the selection of which he has an equal power with 
that of the company under whose policy he has met with a loss. 



INSURANCE COMMISSIONER. IX 

This jury is enabled to immediately investigate the facts while 
they are fresh, avoiding for any considerable period interruption 
in the business of the insured, and the settlement is made at 
once, with very small cost to the person who has suffered loss 
by fire- Strike out this provision as to finality, and every in- 
sured person who has met with a small loss would be entirely 
at the mercy of any insurance company inclined to dispute his 
claim, 1>ecause he could not afford, under a policy upon which 
he has met with but a limited loss, to pursue it, with the cost 
necessarily involved, through the courts of the Commonwealth. 
To remove from the standard form the existing provision as to 
the finality of the award of the referees is to deliberately take 
from the insured the opportunity of a speedy and inexpensive 
method of adjusting his claim, and to put into the hands of the 
insurance companies the power, through a contest in the courts, 
to practically place the insured, in all small losses, entirely at 
their mercy. 

Restricting Companies to Lawful Ventures. 

The attention of the Legr^^lature was called in the report of 
last year to the results of the *' spasm " which had brought into 
existence, and through their methods carried out of existence, so 
many new mutual fire insurance companies. Happily this has 
been followed by the enactment by the present Legislature of 
a statute prohibiting Massachusetts insurance corporations from 
establishing agencies, or accepting, through paid agents, busi- 
ness in States where they have not been liwfuUy admitted to 
write insurance. The action of many of these companies in 
going into such States for business has led, as indicated last 
year, to the demand upon the policy holders in Massachusetts 
of enormously increased assessments to meet losses mainly 
occurring in States in which the companies had not been author- 
ized, and where it has, therefore, proven generally impo{>sible 
to collect assessments. The following table serves as an illus- 
tration of the manner in which heretofore people in Massachu- 
setts have been compelled to make excessive payments in the 
way of assessments to meet the losses which some of the neiv 
matuals incurred in States where they had no authority to 
transact business, but from which the Insurance Commissioner 
of this Commonwealth had no power under the law to bar 
them : — 



BEPORT OF THE 



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mSURANGE COMMISSIONER. XI 

The desperate efforts to form some of these new companies 
is strikingly illustrated in the case of the Mt. Hope Mutual 
Fire Insurance Company of Fall River, which received a charter 
in Jane, 1896, and apparently complied with the requirements 
of law in filing the requisite number of applications for insur- 
ance, as well as the amount to be insured. An investigation 
by this department developed the fact that in numerous cases 
no street numbers could be found to correspond with those 
given in the applications, gross over-valuation of property was 
not infrequent, while in many instances the parties whose names 
were signed denied having applied for the insurance. The cer- 
ti&cate required by law from the commissioner as a prerequisite 
to issuing policies was withheld, and thus for the second time 
within a short period an evident fraudulent attempt to start a 
mutual fire insurance company was frustrated. An effort to 
procure an indictment of the officers for making a false oath in 
support of this list of applications failed because the affidavit 
was not required by law, and therefore did not involve the 
crime of perjury. This has been remedied for the future by 
the prompt enactment of a new statute by the Legislature of 
1897. 

Official Examinations. 

By the enactment of chapter 335, Acts of 1896, this depart- 
ment was allowed an examiner; and in July Mr. Frank H. 
Hardison, having been appointed in accordance with the terms 
of the law, entered upon the discharge of the duties of this 
position. The serious illness of the commissioner brought 
about his enforced absence from the department for quite a 
period during the year, but the opportune passage of the above 
law fortunately gave such additional assistance to the depart- 
ment that all of the triennial examinations falling due within 
the year were completed. 

Fire Statistics. 

Upon the suggestion of the commissioner the Legislature has 
this year repealed so much of the insurance laws as required 
the furnishing of blanks to town and city officials for making 
returns of fires, this duty having been, by a previous statute. 



XII REPORT OF THE 

transferred to the oflSce of Fire Marshal of the Commonwealth. 
In this connection it may be pertinent to review somewhat the 
history of the collection of fire statistics in Massachusetts. In 
the twenty-first annual report of this department for the year 
1875 the then Insurance Commissioner — Hon. Stephen II. 
Rhodes — said : — 

The opportunity to obtain statistics of great value to insurers and 
insured offered by the taking of the industrial statistics and decennial 
census was not overlooked by the commissioner. By arrangement 
with the chief of the bureau having the matter in charge, a number 
of questions, relating to the manufacturing business of the State, 
were inserted in the blanks furnished to the enumerators, the replies 
to which have been drawn off upon separate slips, and the same are 
now in the possession of the insurance department. The practical 
use which it is proposed to make of these statistics is that blanks will 
be prepared and forwarded to the different engineers of fire depart- 
ments and to selectmen or clerks of towns, with the request that they 
will insert in the same such information as may be readily obtained 
in relation to fires which have occurred during the year, and forward 
the same to this department. 

Such statistics, continued a series of years, would be of great 
value. There may be some question as to the practicability of at- 
tempting to obtain minute details in regard to the various risks, such, 
for instance, as are necessary to an insurance company for the suc- 
cessful prosecution of its business ; but the principal facts in relation 
thereto may be obtained annually, without serious inconvenience to 
any public officer, and at little expense. If the assessors of cities 
and towns were required by statute to return to the Insurance Com- 
missioner, annually in the month of October, upon blanks furnished 
by him, a schedule of all the manufacturing risks in their several 
localities, giving the construction of buildings (brick or frame), the 
power used (steam, water or hand) , and values of buildings, machinery 
and stock, no great burden would be imposed, as these officers could 
obtain the necessary information with but little estra labor. The 
facts once obtained, and schedules thereof prepared, the annual 
changes would be very slight. 

A statute to this effect might contain a further provision for the 
rendering, by the proper authorities, of an annual statement of the 
fires occurring during the year. In localities where there is a fire 
department, these facts are always matters of record. Where no 
such organization exists, the information may be easily obtained. 
The commissioner respectfully suggests that this subject is worthy 



INSURANCE COMMISSIONER. XllI 

of the most careful coDsideration by the Legislature, and he unhesi- 
tatiDglj recommends the enactment of a law which shall provide for 
an annual return of all available facts relating to the manufacturing 
business of this State in its connection with the business of insurance. 
There is, apparently, no other way by which these statistics can be 
obtained. The classifications of the insurance companies are limited 
to insured property^ whereas the property not insured is an important 
element in determining the cost of insurance. The annihilation of 
property by fire is a very serious obstacle to the progress both of our 
State and of the nation, and all practicable measures for reducing 
this fearfal annual loss should be adopted. 

The year following the first statistics of fires were published 
in the supplement to the twenty-second aanual report, and the 
Legislature was again urged to require by law that which was 
then voluntarily furnished ; and in 1878 chapter 104 was en- 
acted* being the first legal authority requiring the statistics 
that have since become of vital importance, and the value of 
which has become recognized throughout the entire country. 
From year to year the work has been continued, and the 
reports of this department show with what detail and thorough- 
ness these statistics have been compiled. 

It finally became evident that only through a bureau estab- 
lished for this special purpose could the best results be obtained, 
not only in the procurement of statiiitics as to fires, but in the 
matter of investigation and punishment of incendiarism ; and 
upon the recommendation of the commissioner there was created 
by the Legislature the oflSce of Fire Marshal of the Common- 
wealth, a position which for several years theretofore had 
existed in the city of Boston. The collection of these statis- 
tics was committed to that bureau, with the provision that the 
Marshal should annually report to the Insurance Commissioner, 
and the material portions of such report should be embodied in 
that of the last-named oflScial. The credit of having first 
inaugurated this important series of reports, the earliest of 
the kind in the country, should be given to Mr. Rhodes. 

The following affords a brief statement as to the condition 
of the various Massachusetts companies now in the hands of 
receivers : — 



XIV EEPOBT OP THE 

Suffolk Mutual Fire, placed in the hands of James E. Davis, 

65 Mason building, Boston, as receiver, March 22, 1895. 

[Receiver reports that all approved claims against the company except 
return premiums have been paid in full. Cash on hand, $16,378.82. 
Application has been made to the court for authoiitj to pay return 
premiums, to pay for services of receiver, and to distribute the 
residue jof the funds among persons who paid the assessment in 
full.] 

Commonwealth Mutual Fire, placed in the hands of William 
B. Stevens, 209 Washington Street, Boston, as receiver, May 
28, 1895. 

[Receiver reports that the amount of the assessment for 1250,000, col- 
lected up to March 26, 1897, was $07,623.74. Two claims which 
had been in dispute have been settled, creditors have received a 
dividend of 50 per cent, and a balance of $16,887.86 is in the hands 
of the receiver, who is still making collections. It is estimated 
that 75 per cent, of the assessment upon Massachusetts policy 
holders has been paid. Test suits are to be brought in Kew York, 
and, if successful, the receiver expectj to be able to pay the com- 
pany's liabilities in full.] 

Patrons Mutual Fire, placed in the hands of Robert H. Leland, 

209 Washington Street, Boston, as receiver, Nov. 14, 1895. 
[Receiver reported March 25, 1897, that his total receipts to date were 
$8,689.26, and that he had paid out for losses and expenses $5,300.37. 
Amount of claims unpaid not barred, about $300. The assessment 
for $20,000 was levied June 1, 1896, and receiver expects to make 
further collections and be able to pay a considerable dividend.] 

Melrose Mutual Fire, placed in the hands of Alpheus San- 
ford, 70 Kilby Street, Boston, as receiver, Nov. 26, 1895. 

[The receiver declares an assessment of $43,420.77 necessary to secure 
sufficient funds to meet the liabilities of the company, amounting 
to $10,233.80 plus the expenses of the receivership, and has asked 
the court to affirm an assessment computed on that basis James 
Russell Reid was appointed auditor to report upon matters per- 
taining to the assessment, and has filed his finding affirming the 
estimates of the receiver.] 

Colonial Mutual Fire, placed in the hands of W. O. Under- 
wood, 50 State Street, Boston, as receiver, Dec. 23, 1895. 
[Receiver reports that an assessment of $30,000 has been levied by 
order of the court, issued March 2, 1897, and that up to April 1 
$4,073.06 had been collected. Time for proving claims expired 
January 15, and those which have been proved and allowed 
amount to $15,169.40. A claim for $J ,100 for a loss is in litigation, 
and not included above. A dividend of 50 per cent, has been paid, 
and the cnsh in hands of receiver April 1 was f9,*^27.56. It is 
expected all clnims will be paid in full.] 



INSURANCE GOMMI8SIONEB. XV 

Bay State Mutual Fire, placed in the hands of Herbert 
Parker, Worcester, as receiver, Dec. 28, 1895. 

[Receirer reported March 26, 1897, that he is waiting the filing of the 
report of the auditor appointed by the court upon questions per- 
taining to the revision of the former assessment made by officers 
of the company. The assets in the hands of the receiver are about 
11,800. About 126,000 will be required to liquidate present debts 
and obligations and pay the expenses of the receivership.] 

Standard Mutual Fire, placed in the hands of R. D. Weston- 
Soiitfa, 53 State Street, Boston, as receiver, April 14, 1896. 
[Receiver reports that compromise agreements have been made with 
creditors, so that no assessment will be necessary. Assets in hands 
of receiver, $17,354.07. Expenses of receivership, about |2,000.] 

Central Mutual Fire, placed in the hands of B. D. Wes- 
ton-Smith, 53 State Street, Boston, as receiver, May 1, 
1896. 

[Receiver reports that no assessment upon the policy holders will be 
necessary, as compromise agreements have been effected with the 
creditors, by virtue of which the $4,511.41 in the hands of receiver 
will be sufficient to pay claims and expenses of receivership.] 

Wachusett Mutual Fire, placed in the hands of Charles E. 

Ware, Fitchburg, as receiver, May 13, 1896. 

[Receiver reports liabilities of about $27,787 and assets of $14,966. 
There are, besides, a few extremely doubtful assets in the form of 
old accounts due for premiums and for reinsurance. The liabili- 
ties also are exclusive of legal and receiver's expenses and charges. 
A lawsuit is pendmg against the company on 'a claim for $7,500, 
and a proposition for a compromise settlement of all claims is 
under consideration.] 

Excelsior Mutual Fire, placed in the hands of Edward I. 

Baker, 53 State Street, Boston, as receiver, June 12, 1896. 

[Receiver reported March 25, 1897, that he had a balance of cash on 

hand amounting to $2,208.45. The claims proved and allowed to 

date amounted to $1,203.66. The time for proving claims has not 

yet expired.] 

Commerce Mutual Fire, placed in the hands of Godfrey 

Morse, 53 State Street, Boston, as receiver, July 3, 1896. 

[Receiver reports that by decree of the supreme court an assessment 
of $4,0C0 has been ordered to meet liabilities of (1,782.08, together 
with estimated expenses of $700. March 25, 1897, the collections 
bad aroouiited to about (900.] ^ 



XVI REPORT OF THE 

Eastern Mutual Fire, placed in the hands of Fred H. Kidder, 
82 Devonshire Street, Boston, as receiver, Feb. 2, 1897. 

[Receiver reports that there are so many suits pending, the issue of 
which is doubtful, that it is impossible to give a clear idea of the 
company^s liabilities. As to assets, receiver expects to get in at 
least 19,000 or |10,000 in all ; about |o,000 is now on hand.] 

Continental Mutual Fire, placed in the hands of Edward I. 
Baker, 53 State Street, Boston, as receiver, March 22, 1897. 
[The affairs of this company were substantially settled before the ap- 
pointment of a receiver, and no further assessment will be neces- 
sary.] 

Old Colony Mutual, placed in the hands of William B. 
French, 53 State Street, Boston, as receiver, March 30, 1807. 
[An assessment was laid by the ofBcers of this company in 1896, only 
a small portion of which was collected. There are still claims 
against the company of about $33,000.] 

The Fire Marshal's Report. 

■ 

The serious illness of the statistician of the Fire Marshal's 
office, during the period when the Ggures and tables are com- 
piled, unfortunately prevents the presentation of the detailed 
work of that office, and the statistical tables usually published 
with this report will be given in a special pamphlet at a later 
date. Sufficient, however, is already shown to illustrate the 
work of that bureau and its value to the people of Massachu- 
setts. Previous to the establishment of the office of Fire 
Marshal, in the reports of fires within this Commonwealth the 
origin of from 35 to 50 per cent, was stated to be unknown or 
incendiary. Last year this was reduced to a percentage of 
15. Previous to the l)eginning of the work of the Fire Mar- 
shal the proportion of convictions in this Commonwealth to 
reported incendiary and unknown fires was but 1 in every 100. 
During last year this ratio of convictions was increased ten- 
fold. In the year next prior to the establishment of the above- 
named office 18 per cent, of those arrested for incendiarism 
w^ere convicted, while in 1896 the convictions were 86 per 
cent, of the arrests. Of the persons convicted, one had set 
eight fires, two had set forty fires with a loss of one and one- 
half million dollars, and one had set twelve fires with a loss of 
$100,000. Another had collected insurance fifteen times upon 



INSUBANGE COMMISSIONER. XV 11 

the same goods. It is safe to say that there are to-day in the 
jails of this Commonwealth ten times as many persons con- 
victed of incendiarism as were ever before incarcerated for this 
crime in a single like period within the Commonwealth of 
Massachusetts, and it is probable that, of the cases in which 
convictions have been had, ninety per cent, would have escaped 
but for the work of the office of the Fire Marshal. 

A perusal of the figures establishes beyond controversy the 
belief that the work of this office, if carried on upon the plan 
heretofore adopted and with the experience thus gained, will 
bo the means of saving hundreds of thousands of dollars to the 
people of Massachusetts in property which would otherwise be 
consumed by the depredations of scoundrels who for profit or 
for mischief engage in incendiarism within the borders of the 
Commonwealth. 

Finances of the Department. 

The income of the department for the year 1896 was 
$59,176.20, as shown in detail by Table XIV., being an 
increase of $1,984.34 over the previous year. The total 
expenditure was $36,276.96, leaving a surplus revenue accru- 
ing to the Commonwealth above the entire cost of carrying on 
the insurance department of $22,889.24. 

Bespectfully submitted, 

GEORGE S. MERRILL, 

Insurance Commissioner. 



COMPARATIVE TABLES. 



CoMPARATiYE Table A. — Mossachusetts Mutual Fire Insurance 

Companies. 





laas.* 


lS06.t 


Tncreaie or 
Decreaie in 1896. 


Assets (iDcl ud'mg conti ngent) , 


t35,083,863 


133,880,786 


—11,253,078 


Liabilities, .... 


6,822,664 


5,297,677 


—624.987 


Cash snrplas, .... 


4,672,580 


6,179,880 


607,250 


Tqcoidc, ..... 


. 6,037,980 


5,666,676 


—381,306 


Expenditures, 


6,065,176 


6.370,893 


—684,283 


Risks written. 


567,419,209 


624,202,443 


—13.216,766 


^et premiums received, 


6,623,716 


6,140,393 


—383,323 


Risks outstanding, . 


860,667,680 


839,252,547 


—21,315,083 


Losses paid, .... 


1.894,990 


1,557,302 


—337,688 


Losses incurred. 


2,219,626 


1.292.604 


-927,121 


Assessments collected, . 


28,428 


63,393 


34.965 


Profits returned. 


8,122,764 


2,852.246 


—270.518 


Expenses, .... 


1,016,949 


943.551 


—73,898 



* Sixty compAolea. 



t Fifty 'four eompftnies. 



CoHPARATiYB Table B. — Massockusetts Mutual Fire-Marine 

Insurance Companies. 





isas.* 


1806.* 


Incretie ot 
Decreaie in 1896. 


Assets, 


t527,269 


1551,615 


t24,246 


Liabilities, . . . . 


197,268 


249,036 


61,767 


Surplus, 


830,001 


302,480 


—27,621 


Income, 


224,884 


354.959 


130,075 


Expenditures, 


217.303 


326,121 


108,818 


Risks written, . 


19,601,226 


22.663,386 


8,062,160 


Net premiums received. 


216,895 


344,556 


128.661 


Losses paid, . . . . 


146,742 


236,709 


88.967 


Losses incurred. 


156.456 


266,277 


99.822 


Risks oatstaoding, . 


7,610,029 


8.961,899 


1,451.870 


Expenses, .... 


64.678 


72,429 


17,751 


Scrip dividends declared, 


- 


- 


- 


Scrip redeemed. 


- 


— 


- 


Scrip oatstanding, . 


666,661 


666,661 


— 



* Two oompanlM. 



;i 



EEFOBT OF THE 



C. — Ma9sackn»^s Joi'^-Stodt In* 












<t --^ i»?>«L::inij' rew-irpG T^e: 



Vi^m^f- r:>w5 ^Trr.t^ . 



?i'iir.pf TirfTi- win* rc«'£ i?e: 



Flrt i'S'7»<^^ TiM.'L , 



Til .."in' ^:>k> .'»u!<iap<iTnr. 



T-:.r»f»rrv**^ 



Cfej'r. f1"~ui«'Tirt> dw'inrf/l. 






€c27:,S54 






1 ^'^'fl.f^^ 



lS4v519 









— ^S^,427 

~f::,47e 

4JMJ.26 

->f:.'^i?f.,M7 
S7.4»r»S 



* Srtet compAi^itth. 



^Stz 



INSUBANCE COMMISSIONER. 



XXlll 



Comparative Table D. — Fire and Marine Insurance Companies 

of Other States. 





1895.* 


lS06.t 


Increase or 
UecreaM In 1S86. 


Cash capital, .... 


141.970,025 


$44,655,875 


12,685,850 


Assets, 


175.967,934 


189,374,868 


13,406.934 


Liabilities, .... 


88,625,162 


85,052,607 


1,427,445 


Surplus, 


92.342,772 


104,322,261 


11,979,489 


Income, 


88,601,833 


89,811,081 


1,209,248 


Expenditures, 


80,733,064 


80,066,849 


—666,215 


Fire risks written, . 


8,611,213,660 


8,885,022,087 


273,808,427 


Fire premiums received (net), 


75,109,899 


76.340,743 


1,230,844 


Marine risks written, . 


1,349,401,454 


1,043,318,909 


—306,082.545 


Marine premiums rec'd (net), 


5,946,440 

m 


5,774,696 


—171,744 


Fire losses paid, . 


41,095,902 


39,723,570 


—1,372,332 


Marine losses paid. 


4,548,683 


8,862,024 


—686,669 


Fire losses incurred. 


40,565,562 


38,489,202 


—2,076,360 


Marine losses incurred,. 


4337,129 


3,209,201 


—1,627,928 




11,382,987,550 


11,824,096,045 


441,108,496 


Marine risks outstanding, 


181,592,967 


184.229,062 


2,636,095 


Expenses, .... 


28,786,727 


29,729,878 


948.151 


Cash dividends declared, 


4,915,425 


5,531,202 


615,777 



* 8eveaty«Dioe companlet. 



t NlDoty-ooe companies. 



XXIV 



REPORT OF THE 



CoMPABATiTE Table E. — United States Branches of Foreign Com- 
panies, 





1895.* 


19M.t 


Increase or 
Decrease In 1896. 


Deposit capital, . 


17,800,000 


18,100,000 


$800,000 


Assets in United States, 


68,013,636 


60,626,631 


2,612,996 


Liabilities in United States, . 


87,789.629 


36369,288 


—920,241 


Surplus, .... 


20,224,106 


23,767,844 


3,533,238 


Income,. .... 


46,868,292 


46,806,439 


-61,853 


Expenditures, 


40.449,791 


39,796,528 


—663,263 


Fire risks written. 


6,169,560,329 


6.106.688,412 


—63.971,917 


Fire premiums received (net). 


41,013,820 


63.624,980 


12.611,160 


^larine risks written, . 


1,363,168,387 


1,616,100,266 


152.941.878 


Marine premiums rec'd (net), 


8,788,212 


5,479,926 


1.691,713 


Fire losses paid, . 


23,404,846 


22.456,814 


—949,031 


Marine losses paid, 


2,412,426 


2,569,609 


157,083 


Fire losses incurred, . 


22,556,166 


21,846,239 


—708,927 


^larine losses incurred. 


2,619.129 


2,490,072 


—129,067 


Fire risks outstanding, . 


6,835,923,976 


6.945,827,120 


109,908,145 


Marine risks outstanding, . 


77,945,625 


86,213,044 


8,267,419 


Expenses, .... 


14,612,619 


14,771,206 


168,686 


* Thirty-two companleB. 




t Thirty. BIX comp 


anlea. 



IN6URAKCE COMMIS6IOKEB. 



XXV 



Aggregates of all the Companies. 





1805. 


1S96. 


Increase or 
Decrease In 1896. 


Cash capital, .... 


163,120,025 


156,655,876 


$8,435,850 


Assets (incluiling contingent 

of mutual companies). 
Liabilities, .... 


278,792,382 
, 130.657,889 


293,600,063 
130,413,987 


14,807,731 
—143,902 


Surplus, .... 


123,517,744 


189,832,799 


16.315,055 


Income, ..... 


145,781,106 


146,381,612 


650,407 


Expenditures, 


131,059,942 


129,103,593 


—1,956,349 


Fire risks written, . 


14,593,408,855 


14,780,928,104 


187,524,749 


Fire premiums received (net), 


124,399.915 


137,711,553 


18,311.638 


I^Iarine risks written, . 


2,789,694,309 


2,636,699,783 


—152,894,526 


Marine premiums rec'd (net), 


10,844,484 


12,389,335 


1,544,861 


Fire losses paid, . 


67,841,860 


65,065,990 


—2,776,870 


Maiine losses paid. 


7,848,173 


7,376,598 


—471,675 


Fire losses incurred. 


66,789,497 


62,914,373 


—8,875,124 


Marine losses incurred. 


8,425,640 


6,739,699 


—1,686,041 


Fire risks outstanding, . 


18,462,446,077 


18,998,232.476 


635,787,398 


Marine risks outstanding, 


274,629,841 


282,822,363 


8,192.522 


Expenses, .... 


46,651,744 


46,685,402 


1,133.658 


Cash diridends declared. 


6,252,925 


5,867.202 


614,277 



XXVI 



BEPORT OF THE 



Comparative Table F. — Mccssachusefts Business.^ 





ISM. 


ISM. 


InereftM or 
DecresM In ISMSw 


Fire risks written, 


11,020,680,686 


♦1,063,078,568 


142,397,882 


Fire premiums received. 


11,032,012 


11,248,934 


216,922 


Fire losses paid, . 


4,165,155 


4,604,717 


439,562 


Fire losses incurred. 


4,029,954 


4,801,014 


771,060 


Marine risks written, . 


314,537,634 


323,421,805 


8,884.17 1 


Marine premiums received, . 


1,832,799 


1,808,825 


—23,974 


Marine losses paid, 


1,240,130 


1,371.823 


131,693 


Marine losses incurred, 


1,211,101 


1,286,666 


75,655 



• For details ot this bustaea* see Table XIII. 



Comparative Ratios of Table F. 





1S99. 


1ft96. 


Increase 

or DiKTcaji^e 

in IBM. 


Fire premiums received to risks written. 


1.08 


1.06 


—1.85 


Fire losses incurred to risks written, 


.39 


.45 


15.38 


Fire losses incurred to premiums received, 


36.53 


42.68 


16.83 


Marine premiums received to risks written, . 


.68 


.59 


1.72 


Marine losses incurred to risks written, . 


.89 


.39 


- 


Marine losses incurred to premiums received. 


66.08 


71.13 


7.64 



INSURANCE COUMISSIONER. 



XXVll 



Table G. — Fire Bisks vrrittenj Premiums received and Losses 

incurred in Massachusetts. 





Fire RIOb Wrtttea. 


Bectlv«d. 


Losses Inearred. 


Pbk Cbht. or— 


Tmt. 


Premlumi 

Received to 

Ri«ki Written. 


LoMes 

Incurred to 

Risks Written. 


1 

1873, . 


1858,393,129 


tl0,368,024 


•5.184,364 


1.21 


.60 


1874, . 


655,066,069 


8,253,755 


3.676,063 


1.26 


.56 


1875, . 


597,478.409 


7,232,486 


. 3,221,943 


1.21 


.64 


1876, . 


528,211,058 


6,974,268 


2,738.180 


1.13 


.52 


1877, . 


585,928,271 


5,998,124 


2,672,186 


1.02 


.44 


1878, . 


558,019,711 


5,506,392 


2,438.121 


.99 


.44 


1879, . 


520,814,369 


5,026,482 


2,600,461 


.96 


.48 


1880, . 


609,182,642 


6,479,662 


3,006,273 


.90 


.60 


1881, . 


642^2,633 


6,845,364 


2,884,047 


.91 


.45 


1882, . 


686,030,272 


6,244,063 


4,916.949 


.91 


.72 


1883, . 


710,197,614 


6.896,367 


8,763,949 


.97 


.63 


lfX$4, • 


655,613,160 


7,067,149 


3,865,956 


1.08 


.69 


1885, . 


661,380,951 


7,402,683 


8,132,235 


1.12 


.47 


1886, . 


694,473,662 


7^38,426 


3,869.294 


1.13 


.49 


1887, . 


765,304,046 


8.371,714 


8,136,774 


1.09 


.41 


1888, . 


832,038,483 


8,702.006 


4.444,322 


1.06 


.68 


1889, . 


826,962,689 


8,601,963 


9,284,464 


1.04 


1.12 


1890, . 


871,117,341 


9,039,865 


8,798,602 


1.04 


.44 


1891, . 


863,343,089 


8,719,808 


6.104.694 


1.01 


.69 


1892, . 


960,872,674 


10,006,986 


4.140,396 


1.04 


.43 


1898, . 


1,030,196,664 


10,727.167 


8,329,016 


1.04 


.81 


1894, , 


986,624,142 


10,618,366 


6,182,490 


1.07 


.53 


1895, . 


1,020,680,686 


11,032.012 


4,029,964 


1.08 


.39 


1896, . 


1,063,078,668 


11,248.934 


4,604,717 


1.06 


.43 


Totals, 


118,182,490,032 


fl92,091,829 


199,373,338 


1.06 


.66 



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Ix 



BEPORT OF THE 



Table XIII. — Massachusetts Business for 1896. 
Mabsachusetts Mutual Fire Companies. 



NAICB OP company. 



Rlflkfl 
Written. 



Premiamfl 
Received. 



Contingent 
AeeeU. 



Loeece 
Paid. 



LoMes 
Incurred. 



Abington, 
Anntequam, 
Arkwrighi, 
Aahfleld, . 
AtlM, . 



Attleboroagh, 

Bftmatahle Coonty, 

Berkshire, 

Boaton Uannfactoren', 

BrUtul County, 

BaeloeM Men's, . 
Cnmbridice, . 
ClUzene*. 
Cobanaet, 
Oouilnental, . 



Cotton and Woolen, 
J>(*dhAm, . . 
Dorchester, . 
Bugle, . . 
Sanlero, . • 



E«sex, 

Fall River Manufacturen', 

Fitchburg, • • 

Franklin. 

Groveiand, 



Hampehire, . 
HIngham, 
nolyoke, . 
Home Guaranty, 
Industrial, 



Lowell, . • • 

Lumber, . . • 

Lynn, 

Merchants* and Farmers', 

Merrimack, . 

Middlesex, 

Mutual Fire Assurance, 

Mutual Protection, 

Nowburyport, 

Norfolk, . . . 



Old Colony, 
Pap^r Mill, 



Qulnoy, 
Ri 



Lubber Mannfactarers* 
Salem. . . . 



Saltsbary and Aroeabury, 
Bangus, . . 

Bouth hanvem. 
Traders* and Mechanics', 
Western Masaaobusetta, 



Westford, 
West Newbnry, . 
Worcester Manufacturers', 
Worcester Mutual, 

Totala, . • • 



$2,065,709 
70.625 

44,186.901 

11.727 

1,805,210 

638.465 

1.805.956 

2.355,590 

61,218,287 

503,875 

213,350 

6,877,036 

6,819,757 

75.165 

185.878 

6,508,170 

1,808,261 

8,608,101 

806,186 

480,156 

1,106.508 
16,775.406 

5,101.736 
896.124 
310,659 

1.011,008 
6,814,004 
0.220,582 
1,307,320 
2,864,430 

2.361,041 

708,866 

420,472 

6.471,070 

7,802,042 

10,680,866 

1,202,952 

062.899 

211,075 

4,685,683 

132,800 
2.876.470 
7,584.477 
4.279.886 
1,617.608 

10.160 

1,002,250 

158.270 

9.214,964 

600 

62,225 

245,085 

17.724,439 

10,091,283 



$266,014,750 



$29,458 

842,881 

50 

20,687 

8,0:» 

81,402 

81,477 

878.026 

8,438 

1.861 

86.401 

82,472 

1,104 

8,854 

60,530 

28,387 

134.354 

4.600 

8,810 

25,054 

134,350 

73,701 

6,772 



14,475 
03,029 
138,452 
17,961 
24,573 

89,848 

15.226 

5,962 

85.118 

119,142 

161.810 

16.574 

15.457 

2.867 

09,085 

1,823 

26,292 

113.060 

36,317 

24,250 

85 

3*224 

143,969 

6 

437 

140.964 
137,813 



$2,030,547 



$29,458 

5.139 

1,711,904 

852 



6,898 

04,4n 

81,477 

1,804,632 

24,432 

3,728 
86,401 
85,146 

3,581 
11,568 

262,651 
28,387 

134,354 
14,006 
26,431 

25,054 

671,740 

73,701 

5,772 

21,820 

14,475 
03,020 

188,452 
17,061 

122,863 

80,348 
45,677 
11,924 
85,118 
122,084 

150,866 
17.582 
15,635 
11,650 
60,035 

6.468 

131.462 

113.050 

181.586 

24,250 

850 

124.020 

0,612 

143,060 

15 



95,641 
704,768 
144,001 



$10,418 

44,321 

0,160 

210 

0.344 

19.339 

48,540 

567 



29.763 

29.633 

1.001 

8,444 

446 

12.540 

74.841 

4,552 

8,553 

6,598 

29.880 

60,850 

10.648 

708 

7,109 
40.731 
60,363 

4,376 
87 

10,592 

5.107 

1.146 

85,009 

81,779 

60.071 

2,343 

2,190 

22 

22,384 

7,266 

1,620 

64,646 

103 

4,674 

11 

6,037 

341 

09.273 

506 



2.702 
41,682 
43.067 



$7,819,657 



$908,687 



$16,7S8 

43.179 

9.100 

210 

10,594 

21,537 

48,540 

667 



28,764 

81,t*38 

516 

8,5S4 

446 

18,001 

78.940 

7,426 

8,317 

8,78S 

29,538 

43,992 

6,510 

1,008 

7,100 
38,930 
52,663 

4,376 
87 

0,576 

6,107 

1,208 

83,764 

86,210 

61.461 

4,558 

2,100 

44 

27.559 

14.672 
1.620 

66.552 

108 

7.786 

11 

6,037 

341 

07,666 



2.002 
42,136 
38,614 

$026,488 



INSURANCE COMM18SIO^^£R. 



Ixi 



Table XIII. — Massachusetts Business for 1896 — ConttDaed. 
Massachusetts Mutual Fire-Marine Companies. 



Fire Business, 



NAME OP CO^iCPANY. 


RIskf 
Wriiwn. 


Premlama 
Received. 


Lo*|l«B 

Paid. 


Losa6« 
iDctirrod. 


India Untoftl, 


$1,540,661 


$18,008 


$6,880 


$6,856 



Marine Business. 



Cbfna Motoal, 
lAdia If QtOAl, . 

Totala, . 



$18,876,431 



$18,876,431 



$376,057 



$376,057 



$258,809 
126 



$258,935 



$259,809 



$258,809 



Massachusetts Stock Companies. 



Fire Business, 



Afloeriean, 

BoMoo MariiM 

Flrvtaen** Flrr, 

MereftotSto Fire aod Marine, .... 

Konh Aoserican 

Spriogfleld Fir« and Marine, 


$4,892,588 

2,960.157 

7,841,500 

8.011,718 

12,980,636 

10,271,194 


$41,940 

27,6S3 

64,863 

69.192 

100,140 

170.870 


$10,900 
6,470 
17.787 
18.444 
56.684 
67.400 


$20,632 
9,150 
18,022 
23.726 
56,173 
72,236 


Tetale, 


$62,957,868 


$480,044 


$183,635 


$200,639 



Marine Business. 



Motion Marine, 

MertaotUe Fire sod Marine, 


$81,594,187 
5,000 


$486,018 
2u0 


$581,353 


$538,538 


TotaJ«, 


$81,699,187 


$486,218 


$581,353 


$533,638 



Ixii 



REPORT OF THE 



Table XIII. — MdssachuseUa Business for 1896 — ContiDaed. 

CoMPAxifiS OF Otheb States. 
Fire Business, 



NAME OF COMPANY. 



Risks 
Wriuen. 



Premiama 
Received. 



Lmm* 
Paid. 



LoMet 
Incurred. 



JEtoa, 

Airricaltarml, . 
Albany. . 
Amerlcani . 
Amerloan Central, 



American Fire (New York), 

American Fire (I'tilludclphiu), 

Armenia, 

Absu ranee Lloyd*, 

Atlantic Motual, . 



Buffalo German, . 
Capital Fire, . 
CiilrHns* (New York), 
Citizens' (St. Louis), 
Colonial Assurance, 



Commerce, 
Commercial TJnir»n, 
Commonwealth, 
Concordia, 
Conuecticut Fire, . 



Continental, . 

Delaware, 

T>etroit Fire and Marine, 

Kantern, .... 

Equitable Fire and Marine, 



Empire City, . 

Farragut Fire, 

Fire Association of PhiladelphU, 

Fire Insurance Co., County of Phlla., 

Firemen's Fund, . 



Firemen's (Baltimore), 
Firemen's (Newark), 
Franklin Fire. 
German American, 
German Fire. . 



Germania Fire, 
Oirard Fire and Marine, 
Glen's Falls, . 
Globe Fire, 
Granite 8tate, 



Greenwich, 
Hanover Fire, 
Hartford Fire, 
Home, 
Howard Fire. . 



Insurance Co. of North America, 
Insurance Co , Btate of Pennsylvanin, 

Lumbermen's 

Manufacturers' and Merchantb', . 
Mechanics' 



Merchants' (Newark), . 
Merchants' (ProvtdHnoe), 
Michigan Fire and Marine, . 
Middlesex Mutual, . 
Millers' and Manufacturers', 



$28,418,682 

10,4.^11,600 

1,648,U72 

2,700,110 

1,606,715 

6,427,105 
7.524,387 
2,000,472 
1,260,817 



2,284.406 
8,888.731 
2,438.131 
660.837 
1,811,780 

1,102.533 
656,543 

2,908.817 
503.400 

0,283,300 

12.028,087 

6.158.703 

94U.407 

1,0(H>.436 

6,017.380 

187,342 

244,10'i 

15,706,975 

l,239.8u7 

8,881,866 

233,650 

8,111.301 

2,487,760 

16,357,454 

234,277 

4,824,149 
2.090,258 
4,330,762 
4,158.0.'>4 
6,062,790 



5.623,514 
10.271,960 
19.796,395 
46,863,163 



18,311,061 

4.074,660 

1,185.733 

6U3.»25 

1,309,*2;0 

8,841,236 
4,380,712 

1,814,888 
655,823 



$289,478 
91,798 
16,041 
26,151 
21,766 

81,109 
88.014 
22,143 
14,667 



24,180 
61.012 
27,063 
7.820 
14,946 

12,753 

6.027 

16,194 

6,308 

100,545 

158.876 

58,861 

8.173 

7.102 

60,733 

1,225 

VI 1 

194;989 

13.895 

06,010 

2.916 

82.999 

25,255 

172,086 

3,071 

41.835 
24.840 
40,235 
87.430 
77,525 

62,007 
121.438 
234.579 
830,442 



218,580 

44.710 

12,887 

6.650 

16,018 

76,626 
43,827 

18.894 
10,756 



$137,080 
80,164 

6.868 
10,674 

7,166 

82.102 

42,184 

5.077 

8,978 



6.616 
18,082 
6.846 
4.803 
1,245 

6.372 

757 

6,277 

3.950 

62,597 

62,213 

81.062 

2.763 

8,307 

17,913 

096 
537 

96,783 
4,573 

46,030 



10.011 
15,078 
67,966 



10.040 
9.145 

18,528 
6,239 

85,008 

88.267 

66.962 

96.388 

116,843 



114.190 

18,301 

8,619 

251 

0,785 

44.027 
17,780 

14.6Z8 
1,513 



$132,473 
30.812 

T.33U 
10.546 

7,468 

85,303 

47.106 

7,3«l 



6,778 
18.t>54 
6,H45 
5.1ti4 
8,007 

6,T0.3 

7^4) 

6.297 

4,:i5«l 

63.537 

61,676 

84,868 

3.0U2 

3,307 

18,977 



637 

07.868 

5,657 

44,458 



10.575 

17.244 

68,085 

10 

12,463 
9.614 
18.315 
11.116 
81,700 

43,837 

71.418 

06,848 

120,644 



116.027 

10,W86 

8,704 

584 

12,285 

46,765 
20.451 

19.994 
1,788 



INSURANCE COMMISSIONER. 



1X111 



Table XIII. — MasscuAuseits Business for 1896 — Continued^ 

Companies of Other States — Concluded. 
Fire Business — Conclnded. 



NAME OP company. 



Rlska 
Written. 



Premiamn 
R«c6lv«d. 



LoMea 
Paid. 



LoMea 
Incurred. 



Ellw«ake« Meehsnlce*, 
If Btoal Fire, . 
Natlonel, . . 
KstioDftI SUodard. 
Kevark Fire, . 



New Hampithlre Fire, . 
New York Fire, . 
Niagara Fire. . 
Nortli western National, 
Norwaik Fire, 



Norwood* 
Orient, . 
F)adfle Fire. . 
PeanejlTania Fire, 
Fheolx, . 



Pb«en1x. .... 
Proridence Waahlngton, 
Qeeen of America, 
Reading Fire, . 
Reliaoce,. 



Eeebeeter German, 
Botgera, . 
Sebaylklli Fire, . 
Becorit J, . 
Spring Garden, 



81. Paul Fire and Marine, 

Tratoota* 

Traders*. 

Unkm, .... 

United Firea>eo*s, . 



United States Fire, 
United States Lloyds, 
Victoria Fire, . 
Westchester Fire, . 
Western, 



WUliainabnrgh City, 
Totals, 



$862,367 

3,858,250 

16.667,844 

1,508,470 

912,261 



18,081.668 
1,830,701 

10,330.811 
8,230,206 
1,800,196 



8,371,425 

1,615,499 

8.813,756 

19,220,289 



11,980,111 
8.550.664 

11.898.391 
8,486.723 
1,806,576 

8,717.874 
738,558 
1,802.355 
4.122,090 
8,364,284 

4.795,297 
1.047,398 
1,061.828 
8,498.533 
8,055,314 

2.831,622 

366,023 

7.860.350 

688,861 

3,020,678 



$485,603,033 



$7,366 
44,376 
166.678 
15.230 
10,861 

189,609 
8,152 

128.590 
80.042 
20,764 

28,833 

81,875 

20.193 

121.698 

186,631 

185,447 
84.427 

120,430 
38,152 
14,787 

46,742 
7.570 
22,720 
45,644 
72,203 

47,698 
11,277 
11.956 
83.614 
26,000 

24,832 

8.083 

81,699 

9,200 

28,847 



$5,085,066 



$3,202 

17.615 

65,149 

8,494 

7,474 

98,296 

2,001 

51.880 

15.900 

8,792 

9.027 
64,442 
15,522 
60,026 
71,108 

56.641 
63.283 
62,621 
23,832 
10,714 

12,894 

8,898 

189 

25.560 

84,164 

22,052 

8,802 

47 

11,524 

10,012 

11,095 

1.899 

84.773 

5,550 

10,547 



$2,273,906 



$1,824 

19.340 

76.072 

4,756 

7,467 

100,906 

2,194 

68,571 

17.956 

5,018 

11,994 
59.188 
14,126 
65.666 
76,440 

66.448 
68,492 
64,235 
20.696 
9,610 

13.642 

3.299 

964 

27,029 

83,541 

22.402 

8.892 

147 

11.871 

12,211 

10,557 

1,423 

84.937 

5,551 

13,160 



$2,309,879 



Marine BuMneas. 



Atlantic Mat aal 

Fireman's Fandv 

HooM, • . • ..... 
lararanee Comfmny o( North America, 
ProTldenee Washington, .... 

et. Paul Fire and Marine, .... 
United Slates Lloyds, 


$15,696,827 

85,454 

160,000 

84,046,010 

4,797,763 

671,046 
4,568,287 


$96,263 

148 

1,860 

161,196 

89,497 

17,286 
11,714 


$49,404 

50.613 
11,047 

9,690 
7,593 


$50,613 
14.373 

10.056 
5,722 


Totals, 


$60,024,907 


$327,954 


$128,347 


$80,764 



Ixiv 



BEPORT OF THE 



Table XIII. — MassacliuseUs Business for 1 5P^ — Continued. 

United States Branches, Foreign Companies. 

Fire Business. 



name of company. 



Atlns Assurance, . 
British Amsriea, . 
CsledoniiiD, . . 
OommcrciBl Union, 
Hamborg-Bremeo, . 



Helvetia Swiss, 
Imperial, • . • • . 
Ijancawhire, .... 
Lion Fire, .... 
Liverpool and London and Globe 



London Assurance, 
London and LHncashire, 
MsKdebnrK Fire, . 
Msnebester Assurance, 
National of Ireland, 



North Britl'h and Mercantile, 
Norihern Amu ranee, . 
Norwich Union, . 

Pslntine, 

Phcauii Assurance, 



Prussian National, 

Royal 

Koyal Exchange, . 
Scottish Union and National, 
Bun, 



Bvea Fire and Life, 
Thurlngia, 
Union Hooiety, 
Western Assarance, 



Risks 

Written. 



Premiams 
Received. 



Losses 
Paid. 



Totals, 



$fi,886,85T 
8,367.041 
6,010,870 

12,722,309 
8,481,708 

1,485,250 
0,713,812 
8,156.040 
5,188,428 
88,038,281 

7,808,848 

11,281,800 

739,175 

8,282,453 



13,892,888 
9,402,776 
10,22*2,964 
18,007,863 
10,689,866 

1,156,825 
81,546,931 

1,676,768 
16,687,475 
16,974,862 

2,982,528 

610,250 

4,952,621 

5,667,531 



$64,847 
44,216 
74.438 

162,548 
84,599 

14,722 

110,295 

90,600 

40,194 

858,489 

79,055 

111,056 

7,880 

02,570 



150,621 
88,548 
108,446 
155,486 
180,978 

13,668 
859,626 

17,226 
138.734 
146,417 

27,060 

7,128 

45,347 

74,805 



$256,162,852 



$2,733,979 



$19,812 

14,799 

36,208 

85,841 

5,255 

602 

76,582 

46,547 

18.320 

172,803 

89,986 
41,314 

44,292 



60,073 
41.550 
55.591 
59.737 
68,894 

2,803 
175,201 

2,775 
28,547 
94,098 

8,807 

6,526 
82,196 



Incurred, 



$21,739 

18.2H9 

88,791 

80,407 

8,055 

652 

80,801 

47,501 

19.667 

160,423 

40,636 
43,259 

48,778 



74.080 
44,772 
61,757 
67.3U 
65,410 

2,904 

186,806 

8,400 

42,627 

80,010 

4,494 

54 

6,579 

39,978 



$1,282,609 



.$1,298,247 



Maririe Business* 



British and Foreign Marine, 
London Assurance, 
Mnnnhciro, . . . . 
Marine of London, 
Reliance Marine, . • 

Thstnes and Mersey Marine, 
Union Marine, 
Western Assurance,' 

ToUls 



$136,461,679 

5,509.082 

3,581,042 

60,265.666 

850,668 

1,056,868 

6,191,281 

505,104 



$218,421,280 



$529,958 

15,780 

12,869 

81,650 

6,488 

4,826 

5,494 

11,586 



$618,596 



$874,018 

4,567 

6,319 

6,847 

218 

445 

618 

10,156 



$408,188 



$885,241 
5,342 
5,865 
6,847 



445 

9.805 



$413,545 



Recapitulation. 
Fire Business. 



Massachusetts mutual fire companies, 
Massachusetts mutual flie-marine oom 

panles 

Massachusetts joint- stock companies, . 
Companies of other States, . 
United States branches. 

Totals 



$266,914,760 

1,540.661 

62.957,862 

485,503.033 

256,162,352 



$1,063,078,568 



$2,980,547 

18.696 

480,644 

5,085,066 

2,738,979 



$11,248,934 



$908,687 

6,880 

188.685 

2,273,906 

1,231,600 



$4,604,717 



$925,408 

6,856 

200..'»0 

2.869,879 

1,298,247 



$4,801,014 



D^SUBANCE COMMISSIONER* 



Ixv 



Table XIII. — Maasachusetta Business for 1896 — Concluded. 

Recapitulation — Concladed. 
Marine Business. 



NAME OP COMPANY. 


Risks 
Written. 


Premiums 
tteeelved. 


Losses 
Paid. 


Losses 
Incurred. 


MiwirhojctU motnal marine companies, . 
IfaaMchoMltsJoiDt-etock eompaolee, . 
Companies of other tfuiae, . . • • 
Uolted 8teiss branches, .... 


$18,376,431 
81,500,187 
60,024.007 

218.421.280 


$876,057 
486,218 
827.054 
618,506 


$258,035 
581,353 
128.347 
403,188 


$258,800 

533,558 

80.764 

418,545 


Totals 


$328,421,806 


$1,808,825 


$1,871,823 


$1,286,656 



Table XIV. — Statement of the Receipts and. Expenditures of the 
Insurance Department for tlie Year ending Dec, 31^ 1896, 

[Made parsnant to chapter 622, section 17, Acts of 1804.] 

Receipts. 



Compensation for valuation of life insurance policies, . 
License fees, filing statements, ceititicates, etc., . 



$18,778 20 
40,110 00 



158,888 20 



EXPEKDITCRES. 



Commissioner. 
George S. Merrill, salary, . 



Deputy Commissioner. 
Fred^k L. Cutting, salary, . 

ACTUART. 

£mma W. Cashman, . 



Examiner. 
Frank H. Hardison, salary from July 16, 



Clerks. 

Arthur E. Linnell, first, from April 1, 
Henry M. Billings (resigned), first, to March 31, 
WiiliMD) F. Richardson, second, from April 1, . 
William H. Brown, third, from April 1, . 



Amounl carried forward^ 



11,875 00 

500 00 

1,425 00 

900 00 



$3,500 00 



2,500 00 



2,000 00 



919 36 



4,700 00 



$13,619 36 



Ixvi 



BEFOBT OF THE INSURANCE COMMISSIOKER. 



Table XIV. — StatemerU of the Recetpt8^ etc. — Concluded. 



Amount brought forward. 

Extra Clerks 
A. M. Hawes, 
C. E. Weis, . 
M. E. Burrill, 
S.E. Flint, . 

E. L. Johnson, 

F. M. Page, . 

F. M. Bobbins, 
M. F. Whipple, 

G. C. Studley, 
G. M. Hall, . 
V. I. Birant, 
M. L. McMann, 

F. E. Gowell, 

G. L. Moore, 
L. H. Young, 
C. L. Sawyer, 
I. L. Baker, . 
L. E. Brickett, 
J. S. Davis, . 
G. H. Manks, 
Emma G. Stevens, 
Mary H. Dyer, 
Lillian W.\Vhipple, 
\Vm U. Brown, from March 9, 



Expenses. 
Printing and binding, . 

Postage, 

Travelling expenses, . 
Stationery and supplies, 
Express, telegrams and telephones. 
Stenographic work, etc , . 
Books, newspapers, etc., 



Total expenditures for 1896, 
Fees collected and paid into State treasury. 

Surplus accrued to Commonwealth, • 



f 1,200 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

900 00 

900 00 

900 00 

840 00 

840 00 

840 00 

840 00 

840 00 

840 00 

710 00 

630 00 

480 00 

464 52 

460 00 

70 00 

61 84 



f 1,716 97 
917 86 
861 61 
160 88 
279 71 
208 24 
207 97 



fl3,619 36 



18,806 36 



3361 24 



136,276 96 
68,888 20 



#22,611 24 



MASSACHUSETTS MUTUAL 



FIRE INSURANCE COMPANIES 



Detailed Statement op Assets and Liabilities, with Abstract 
OF Annual Statements for the Year ending 

December SI, 1896. 



ABIN6TON MUTUAL FIBE INSUBAKCE GO. 



. DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



ABINGTON MUTUAL FIRE INSURANCE COMPANY, 

ABINGTON. 

[lD«orporated ICay 80, 1856. Commenced bnelneea Jane 15, 1857.] 



HENBT B. PEIRCB, President. 



CARLOS P. FAUNOE, Steretary. 



Amount of permanent fund, ....... $41,728 M 



Detailed Statement of Stocks, 



N. E. Telephone and Telegraph Co. bonds, 

Boston United Gas Co bonds, . 

Clarion County (Ind.) bonds, . 

Ramsey County (Minn.) bonds. 

Equitable Securities Co. debenture bonds^ 

Toledo (Ohio) city bonds, 

Lincoln (Neb.) city bonds, 

St. Paul (Minn.) public park bonds, 

Portland & Ogdensburg Railroad bonds^ 

Naumkeag Street Railway bonds, . 

East Middlesex Street Railway bonds, 

Trenton Passenger Railway bonds, . 

20 shares Oregon Railway & Navigation Co., 

10 

10 

14 

5 
20 
13 

5 
14 
21 



t« 



u 



u 



•• 



t4 



M 



CC 



State National Bank, Boston, . 
NatU Hide and Leather Bank, Boston, 
Metropolitan National Bank, Boston, 
Old Boston National Bank, Boston, . 
South End National Bank, Boston, . 
Abington National Bank, Abington, 
Whitman National Bank, Whitman, 
First National Bank, Salem, . 
First National Bank, Danvers, . 



Rockland & Abington Street Railway, 



Securities held as collateral for cash loans : ^ 
Rockland & Abington Street Railway stock. 



Bonds, etc. 




Par VAloe. 


Market Tatoe. 


tl,000 00 


11,035 00 


2,000 00 


1,680 00 


1,000 00 


1,017 60 


3,000 00 


8.127 60 


1,080 00 


927 00 


1,000 00 


1,100 00 


2,000 00 


2,000 00 


1,000 00 


1,160 00 


5,000 00 


6,300 00 


3.000 00 


8,000 00 


1,000 00 


1,010 00 


2,000 00 


2.220 00 


2,000 00 


300 00 


1,000 00 


1,082 50 


1,000 00 


1,083 75 


1,400 00 


1,260 00 


600 00 


630 00 


2,000 00 


1,300 00 


1,300 00 


1,660 00 


600 00 


510 00 


1,400 00 


1,249 60 


1,576 00 


1,583 00 


1,000 00 


1,110 00 



»d6,705 00 »36,095 75 



Market Valne. Loaned Tbtreon. 

t565 00 »300 00 



ABINGTON MUTUAL FIBE INSURANCE CO. 



Summary of Assets Dec. 81, 1896. 

Cash Talne of xineDcanibered real estate, . (4,000 00 

Loans on mortgage of real estate (first liens *), 80,780 00 

Interest due or accrued thereon, . . • 542 76 

Stocks, bonds, etc., as per schedule, . . 85,095 75 

Loans on collateral security, as per schedule, . 800 00 

Loans on personal security, .... 800 00 

Cash in the office of the company, . . . 212 31 

Cash deposited in bank, 275 75 

Interest due and accrued, ..... 433 18 

Premiums in course of collection (gross), . 1,597 60 

Rents due and accrued, 24 00 

Balance due on real estate sold, . . . 2,911 15 

Salvage, 150 00 

Gross assets, $76,622 50 

LlABXLITIES. 

Losses adjusted, unpaid, 1650 00 

Losses claimed and reported, .... 1,113 10 

Unearned premiums on outstanding risks, . 53,430 98 

Profits or surplus on terminated policies, unpaid, 723 89 

Dae and accrued for rent, salaries, etc., . . 215 75 

Commissions and brokerage, .... 378 77 

Gross liabilities 56,511 99 



Net cash assets, $20,1 10 51 

Income. 

Premiums ontatanding Dec. 31, 1895, . . $2,012 75 

Premiums on risks written or renewed, . . 31,925 48 



Total, 133,938 23 

Premiums now in course of collection, . . 1,597 60 



Entire premiums collected, .... $32,340 68 
Less reinsurance and return premiums, . . 1,788 93 

Net cash premiums receiyed, .... $30,551 70 

Received for extra premiums, 344 52 

Interest received on mortgages, ...... 1,899 24 

Interest and dividends received from all other sources, . . 1,940 86 

Income from rents, . . . 125 00 

Income from all other sources, ...... 174 86 

Gross cash income, 135,036 18 

• Valne of lands mortcaged, $lij&ll 00 

Vala« of bnlldlogs Uiereoo, ....... 42,488 00 

AoBOvm of iDMinnco haid a* eoliatar^ • • • • 80,860 00 



ANKISQUAM MUTUAL FIRE IN8URANGE GO. 



Expenditures. 
Cash paid for losses, ..... 
as profits on terminated policies, . 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for rents and incidentals, 



Gross cash expenditures, • 1^5,606 04 



926,046 14 

10,659 21 

4,788 71 

2,837 74 

464 SO 

1359 94 



Risks and Premiums. 

▲monnt Coih Pnm*s. Cktntlog't Prem'a. 

Risks outstonding Dec. 81, 1895, 18,835,596 00 $124,805 97 $124,805 97 

Risks written during 1896, . 2,283,734 00 81,925 48 81,925 48 

Total .$10,569380 00 $156,78145 $156,78145 

Risks terminated during 1896, 2,870,708 00 40,946 66 40,946 66 

In force at end of year, . . $7,698,622 00 $115,784 79 $116,784 79 

Deduct amount reinsured, . 121,407 00 1,706 78 1,706 78 



Net amount in force, . . $7^77,215 00 $114,078 06 $114,078 06 



Miscellaneous. 

Losses incurred during the year, 

Profits or surplus returned during 1896, 15, 25 and 40 percent. 



$16,781 00 



ANNISQUAM MUTUAL FIRE INSURANCE COMPANY, 

GLOUCESTER. 

[Ineorponted March 1, 1847. Commenced basiiieeB Dee. 28, 1S47.] 

BLIA8 DAVIS, Preaident. JAMBS 8. JBWBTT, Secrtiafy. 

[NoTB.— This compaoy ch«rgeB a cash premium adequate for ezpensM only, and relies upon 
assessments on deposit notes to pay losses.J 

Detailed Statement or Stocks, Bonds, etc. 

Par Yalae. Market Value. 

United States bonds, $500 00 $555 S7 

Summary of Assets Dec. 81, 1896. 

Loans on mortgage of real estate (first liens *), $2,818 94 

Interest due or accrued thereon, ... 77 20 ' 

Stocks, bonds, etc., as per schedule, . . 555 87 

* Value of lands mortgaged, . $2,900 00 

Value of buildings thenK>n, 6,600 00 

Amount of Insurance held as collateral, .... 4,268 00 



ARKWRIGHT MUTUAL FIBE INSURANCE CO. 5 

* 

Cash in the office of the company, . . • 919 85 

Cash deposited in bank, 4,607 49 

Interest due and accrued, 6 00 

Office safe, 985 00 

Gross assets, 98,078 85 

Liabilities. 

Betum assessments on cancelled policies, • 983 09 

Gross liabilities, 83 09 

Net cash assets, 97,995 76 

Income. 
Cash received from assessments, ...... 9247 80 

Interest received on mort^^es, 213 18 

Interest and dividends receiyed from all other sources, . . 80 00 

Grose cash income, 9^80 92 

EXPENDITCTRES. 

Cash paid for salaries of officers and employees, . . . 9350 00 

for State and local taxes, 8 09 

for rent and incidentals, 19 40 

Gross cash expenditures, •.....• 9371 49 

Risks and Premiums. 

Amoant. Contlnfft Prea*B. 

Risks outstanding Dec. 31, 1895, 9386,705 00 f 21.038 45 

Risks written during 1896, .... 79,685 00 5,138 75 

Total, 9^06,330 00 926,177 80 

Deduct risks expired and terminated, . . 79^85 00 5,114 75 

In force at end of jear, 9386,505 00 981,068 45 



ABKWRIGHT MUTUAL FIRE INSURANCE COMPANY. BOSTON. 

[Ineorpontod Feb. 8, IMO. Oomiiiaiioed bo rtn tei Oct. 1, 1800.] 
B. W. TOPPAN, PruidmU. D. W. BABTLBTT. Secretary. 

Office, 31 Milk StreU. 
Detailed Statbment of Stocks, Bonds, etc. 

Paf Valo«. 

United States bonds, 985,000 00 

Cambridge city bonds, 



Boston city bonds, . 
ProTidence city bonds, 
Waltham city bonds, 
Lowell city bonds, . 



15,000 00 
80,000 00 
80,000 00 
10,000 00 
80,000 00 



Maifeft yala«. 

987,750 00 
15,900 00 
82,433 00 
81,050 00 
10,450 00 
81,550 00 



AREWRIGHT MUTUAL FIRE INSUBANGE CO. 



Springfield city bonds, 
Worcester city bonds, 
Fitchburg Railroad bonds. 
Eastern Railroad bonds, . 
Old Ck>lony Railroad bonds, 
Boston & Lowell Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Boston & Maine Railroad bonds, 
Philadelphia, Wilm. & Baltimore R.R. bonds. 
New York, E^vidence & Boston R.R. bonds, 
Boston & ProTidence Railroad bonds, 
Lake Shore & Michigan Southern R.R. bonds 
Pennsylvania Company Railroad bonds, . 
Chicago June. R.R. & Union St'k Y'ds bonds, 
60 shares Chicago, Burlington & Quincy R.R., 
New York, New Haven & Hartford notes. 



Par Valne. 

120,000 00 
25.000 00 
10,000 00 
85,000 00 
47.000 00 
56,000 00 
60,000 00 
20,000 00 
20,000 00 
10.000 00 
20.000 00 
80,000 00 
80,000 00 
25,000 00 
5,000 00 

100,000 00 



Martet Vtlne. 

120,400 00 
25,000 00 
10,050 00 
41,300 00 
49,070 00 
58,850 00 
53,200 00 
21,000 00 
22,000 00 
10,000 00 
21,000 00 
85,400 00 
82,560 00 
27,126 00 
8,500 00 

100,000 00 



1612,000 00 t649,578 00 



Summary of Assets Dec 

Stocks, bonds, etc., as per schedule. 
All other cash loans. 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gi*oss assets, 



81, 1896. 

9649,578 00 

4,833 40 

481 15 

106,807 58 

10,220 79 

4,126 78 



♦774,997 70 



LlABILniES. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks. 
State and local taxes. 

Gross liabilities, .... 



Net cash assets, 



Income 

Premiums outstanding Dec. 81, 1895, 
Premiums on risks written or renewed. 



Total, 

Premiums now in course of collection, 

Entire premiums collected. 

Less reinsurance and return premiums. 

Net cash premiums received, 



14,791 92 

864.816 23 

1,281 72 



92,946 68 
766,900 02 

9769346 60 
4,126 78 

9765,719 82 
82,878 88 



iNei casn premiums receivea, . • . . - 
Interest and dividends received from all sources, • 



870,389 87 
9404,607 88 



Gross cash income, • 



9782,840 94 
26,424 63 

9759,265 67 



ASHFEELD MUTUAL FIRE INSURANCE GO. 



EXPEKDITURRS. 

Cash pa]<hfor losses, $176,038 65 

as profits on terminated policies, .... 479,862 42 

for salaries of officers and employees, . . . 24,942 60 

for State and local taxes, . . . . . 7,228 27 

for rents, 1,687 80 

for inspections, 18,802 64 

for incidentals, 4,902 12 

Gross cash expenditures, $707,964 40 

Risks and Premiums. 

Amoont. CftAh Prem't. Contlng't Pram't. 

Bisks ontstanding Dec. 31, 1895, $92,017,894 00 $735,006 19 $8,675,030 95 
Risks written during 1896, . 97^70,704 00 766,900 02 3,834,500 10 

Total $189,588,098 00 $1,501,906 21 $7^09,531 05 

Risks terminated during 1896, 96,699,921 00 773,273 74 3,866,368 70 

In force at end of year, . $92,888,177 00 $728,632 47 $3,643,162 35 

Miscellaneous. 

Losses incurred during tbe year, $54,833 00 

Pl*ofits or surplus returned daring 1896, 64^ per cent 



ashfield mutual fire insurance company, ASHFIELD. 

[Incorporated Jnoe 4, 1878. Gommeneed bnttnow .Taly 10, 1878.] 

CBARLES BOWS3, Pt€9UUnU HSKRT 8. BANNRY, Stcretanf, 

[Note. ~ This eompaoy ioBtirM property In the town of Aahfleld only.] 

Summary of Assets Deo. 31, 1896. 
Cash deposited in bank, $657 20 

Gross as^et^, $657 20 

I.VOOME. 

Cash premiams received, f58 65 

Interest and dividends received fi*ora all sources, ... 23 24 

Gross cash income, f 81 89 

EXPEKDITUBES. 

iDcidental expenses, $2 46 



8 



ATLAS MUTUAL FIBE INSURANCE CO. 



Risks and Premiums. 



Risks outstanding Dec. 81, 1895, 
Risks written during 1896, 



Amoont ContlDg^t Prem'a. 

$50,713 00 11,550 63 
11,726 00 861 80 



Total, 

Deduct risks expired and terminated. 



$62,489 00 $1,902 43 
7,350 00 220 60 



In force at end of jear, $55,089 00 $1,681 93 



atlas mutual FIRE INSURANCE COMPANY, BOSTON. 

[InoorponMd February, 1802. Commenced bnelnees Jnne 16, 1892.] 
JOQN A. PRAT, rr«9ident, ARTHUR F. JONB8, Stcretary. 

Office^ 2 Mason Building* 



Amount of permanent fund Dec. 31, 1895, 
Increase during the year, . • • . 



Permanent fund Dec. 31, 1896, 



Detailed Statement of Stocks, Bonds, etc. 

Pat Valne. 

United States bonds, $50,000 00 

Massachusetts State bonds, .... 25,000 00 



$10,000 00 
15,000 00 

$25,000 00 



Maitet Valae. 
$60,000 00 

25,375 00 



Sdmuabt of Assets Dec 

Stocks, bonds, etc., as per schedule. 
Cash in the office of the company, . 
Cash deposited in bank, . • . . 
Interest due and accrued. 
Premiums in course of collection (gross). 
Gross assets, 



$75,000 00 $85,375 00 

31, 1896. 

$85,375 00 

318 82 

15,241 36 

1,351 33 

24,032 70 



$126,319 21 



Liabilities. 

Losses claimed and reported, .... 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Profits or surplus on terminated policies, unpaid. 
Commissions and brokerage, .... 
Gross liabilities, 



$10,674 71 

70,603 55 

687 64 

4,576 84 

4,986 40 



91,529 14 



Net cash assets, 



$34,790 07 



ATLAS MUTUAL FIBE IN8UBANGE CO. 



Income. 

Premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection. 



Entire premiums collected, 

]..e8s reinsurance and return premiums. 

Net cash premiums received, . 

Interest and dividends receiyed from all sources, 

Received from other companies on account of excess losses. 



160,992 67 
176,672 82 

1286,665 89 
24,032 70 

1212,632 69 
66,664 78 



$155,967 91 

3,783 03 

13,610 04 



Gross cash income, $173,360 98 



ExPENDnURBS. 



Cash paid for losses. 

Deduct salvage and reinsurance. 



1160,336 26 
6,667 61 



Net cash paid for losses, 

Cash paid as profits on terminated policies, . 
for commissions and bn^erage, • 
for salaries of officers and employees, 
for State and local taxes, 



1143,777 66 

14,456 52 

60,303 00 

7,945 84 

4.772 62 



Gross cash expenditures, • $221,264 53 



Risks and Premiums. 

Amount Cash Prem*8. ContIng*t Prem'B. 

Risks outstanding Dec. 81, 1896, |17,486,782 00 $234,683 76 f 703,761 25 

Riaiu written during 1896, . 12,280,742 00 176,672 82 526,718 46 



Total, .... $29,767,624 00 $410,156 67 $1,230,469 71 

Bisks terminated during 1896, 20,042,210 00 268^96 27 805,788 81 



In force at end of year, . . $9,725,314 00 $141,660 30 $424,680 90 
Bedoct amount reinsured, . 82,000 00 350 73 1,052 19 



Xet amount in force, • $9,693,314 00 $141,209 67 $423,628 71 



MlSCELIJLN£OU8. 



Losses incurred during the year, . • . . 
Profits or surplus returned during 1896, 10 per cent 



$114,675 00 



10 



ATTLEBOROUGH MUTUAL FIRE INSURANCE CO. 



ATTLEBOROUGH MUTUAL FIRE INSURANCE COMPANY, 

ATTLEBOROUGH. 

[Incorporated Feb. 24, 1844. Gommenced biuineM July, 1846.] 
EVBRBTT 8. O APRON, Fteiident. ELIJAH R. READ, SterHarjf. 



AniouDt of permanent fund Dec. 81, 1895, 
Increase during the year, .... 



116,550 59 
850 76 



Permanent fund Dec. 31, 1896, 116,90135 



Summary of Assets Dec. 31, 1896. 



Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon, 
Attleborougb town loan, . 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross). 
Gross assets, 



»20,092 00 

231 66 

6,000 00 

50 39 

5,233 65 

120 00 

148 25 



131,875 95 



LlABIUTIES. 

Unearned premiums on outstanding risks. 



6,496 75 



Net cash assets, 125,879 SO 



Income 

Premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed. 



Total 

Premiums now in course of collection. 

Entire premiums collected. 
Less reinsurance and return premiums. 
Net cash premiums received, . 
Received for extra premiums, . 
Interest received 'on mortgages. 



147 20 
3,196 53 

13,243 78 

148 25 

»3,095 48 
74 52 



Interest and dividends received from all other sources, . 



Gross cash income. 



(8,020 96 


18 41 


1,054 IS 


120 00 



14,213 50 



• VAlae of lands mortgaged $12,600 00 

Value of bnlldlDga thereon 80,400 00 

Amoant of Inanraoee held aa collateral, .... 24,i60 00 



BABNSTABLE COUNTT MtTTUAIi FIBE INSURANCE CO. 11 



Expenditures. 

Cash paid for losses, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$210 06 


682 00 


27 16 


78 36 



»997 66 



Risks and Puemiums. 

Amoant Cash Prem't. Contlngt Prem's. 

Risks outstanding Dec. 31, 1896, $2,092,296 00 111,649 11 $23,098 22 

Risks written during 1896, . 633,466 00 3,196 63 6,393 06 



Total $2,626,761 00 $14,746 64 $29,491 28 

Risks terminated during 1896, 493,906 00 2,488 62 4,977 24 



In force at end of year, . . $2,131^6 00 $12,267 02 $24,614 04 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE COMPANY, 

YARMOUTHPORT. 

[Incorporated Mareh 2, 1833. Gommanoed biulneM Aag. 1, 1838.] 
BIMEO:^^ ATWOOD, PrttidenU FRANK TEACHER, Secretafy. 

Amount of permanent fund, $67,366 80 



Detailed Statement op Stocks, 



ii 



u 



M 



13 shares Winthrop National Bank, Boston, 

20 

13 

10 

8 

5 
15 
30 
10 
10 
50 
63 
49 

3 



State National Bank, Boston, . 
Tremont National Bank, Boston, 
Massaehusette Nat'l Bank, Boston, 
Shawm ut National Bank, Boston, 
NatU Bank of the Republic, Boston 
NatU Bank of Redemption, Boston, 
First National Bank, Yarmouth, 
First National Bank, Hyannis, 
Falmouth National Bank, 
Massachusetts Real Estate Co. 
Old Colony Railroad, 
Union Pacific Railroad, 
Central Pacific Railrtiad, 

Kational Tube Works Co. stock. 

Fall Rirer ciqr bonds, 

Old Colony BftUroad bonds, . 



IKS, Bonds, etc. 




Par Valoe. 


Market yalu«. 


$1,300 00 


$1,703 00 


2,000 00 


2,166 00 


1,300 00 


1,066 00 


1,000 00 


806 00 


800 00 


900 00 


600 00 


692 60 


1,600 00 


1,726 00 


8,000 00 


3,600 00 


1,000 00 


1,126 00 


1,000 00 


1,100 00 


6,000 00 


700 00 


6,300 00 


11,066 60 


4,900 00 


460 00 


660 00 


160 00 


9,900 00 


8,412 60 


1,000 00 


1,160 00 


6,000 00 


6,060 00 



12 BABNSTABLE COUNTY MUTUAL FIRE INSUBANOE CO. 



Boston & Maine Railroad bonds, 

Fitch burg Railroad bonds, 

Iowa Falls & Sioux City Railroad bonds, 

Chicago & £. HHdoIs Railroad bonds, 

Oregon Short Line Railroad bonds, . 

Illinois Steel Company bonds, . 

Farm mortgage bonds, . . . . 



Par Value. 


Market Vatoe. 


112,000 00 


»12,666 OO 


6,000 00 


6,107 60 


2,000 00 


2M0 OO 


2,600 00 


2,880 OO 


1.000 00 


646 00 


1,000 00 


800 00 


800 00 


800 00 



170,460 00 ^7,178 00 



Summary of Assets Dec. 81, 1896. 

Cash Talue of unencumbered real estate, . $2,000 00 

Loans on mortgage of real estate (first liens *), 700 00 

Stocks, bonds, etc., as per schedule, . . 67,178 00 

Loans on personal security, .... 6,803 60 

Cash in the office of the company, . . . 687 08 

Cash deposited in bank, 6,490 94 

Gross assets, 183,869 62 



LlABIUTlES. 

Losses adjusted, unpaid, |1,260 00 

Unearned premiums on outstanding risks, . 44,778 63 

State and local taxes, 46 73 

Gross liabilities, 46,074 86 

Net cash assets, |37,786 16 

Imoome. 

Cash premiums received, $31,492 32 

Received for extra premiums, 1,063 32 

Interest and dividends received from all sources, . . . 3,264 60 

Gross cash income, . 136,810 14 



EXPEKDITURES. 

Cash paid for losses, $9,344 34 

as profits on terminated policies, .... 20,838 88 

for salaries of officers and employees, . . . 6,614 40 

for State and local taxes, 3.S6 64 

for incidentals, 396 46 

Gross cash expenditures, . $36,428 71 

• Valne of lands mortgaged $100 00 

Valoe of buildings thereon, 000 00 

Amount of Inanrance held aa ooUateral, TOO 00 



BERK8HIBE MUTUAL FIRE INSUBANGE CO. 



13 



B1SK8 AND Premiums. 

Anoant Caih Prem*B. Contlng*t Prem*s. 

Risks outstanding Dec. 31, 1895, 17,280,492 00 1124,864 81 f 374,.594 43 

Risks written during 1896, . 1,805,966 00 31,492 32 94,476 96 



Total 19,086,448 00 »156,857 13 |469,071 39 

Risks tenninated during 1896, 1,721,692 00 29,769 90 89,309 70 



In force at end of year, . . |7,364,756 00 |126,587 23 $379,761 69 



MiSCELLAilEOUS. 



Jjosses incurred during the year, .... 
Fronts or surplus returned during 1896, 70 per cent. 



110,594 00 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, 

PITTSFIELD. 

[Incorporated March, 1835. OomiDonced baalDOM Aagast, 1836.] 
FRANK W. HINSDALE, PreHdmi, JOHN M. STBVBNSON, Secreiary, 

Amount of permanent fund, • $57,271 91 



u 



Detailed Statement of Stocks, 



Western Union Telegraph Co. bonds, 

Chicago & Western Indiana Railroad bonds, 

Baltimore & Ohio Railroad bonds, . 

St. Paul & Sioux City Railroad bonds, . 

110 shares Boston & Albany Railroad, • 

119 

50 

19 
100 

66 

10 

13 

15 

16 

10 

4 



M 



•• 



N. Y. Cent. & Hudson River R.R. 

Chicago, Burlington & Quincy R R. 

New Hampshire Trust Co , . 

Adams Express Co., 

Pittsfield National Bank, Pittsfield 
Agricultural Nat'l Bank, Pittsfield 

Third National Bank, Pittsfield, 
First National Bank, Adams, . 
Adams NatU Bank, North Adams, 
Lenox National Bank, Lenox, 
Lee National Bank, 



Pittsfield Electric Street Railway Co., 



Bonds, etc. 

Par Value. 

15,000 00 
5,000 00 
2,000 00 
1,000 00 

10,000 00 

11,900 00 
5,000 00 
1,900 00 

10.000 00 
5,500 00 
1,000 00 
1,200 00 
1.500 00 
1,600 00 
1,000 00 
400 00 
2,500 00 



Market Vahie. 

15,390 00 
5,850 00 
2,000 00 
1,300 00 

21,000 00 

11,305 00 

3,650 00 

950 00 

15,200 00 
8,525 00 
2,600 00 
2,520 00 
1,950 00 
2,080 00 
1,400 00 
700 00 
2,500 00 



166,500 00 #38,920 00 



BERESEIBB MUTUAL FIRE mSUHANCE CO. 



ScuuARY or Assets Dec. 81, 1896. 

Cash value of uacncumbered real estate, . (13,000 00 

Stocks, boDds, etc., as per schedule,. . . S8,920 00 

Loans on collateral security 2,000 00 

Cash ill the office of the company, . . 1,884 39 

Cash deposited in bank 206 78 

Interest due and accrued, 167 AS 

Premiums in course of collection (gross), 2,365 89 

RentA due and accrued, 100 00 

Gross assets |107,023 58 

LlABlUTIES. 

Losses claimed and reported, .... 12,197 60 

Une&mod premiums od outstanding risks, 63,496 OS 

Return premiums on cancelled policies, . . 11 06 

ProfitsorsurplusontermiDBted policies, unpaid, 1,1S8 67 

Due and accrued for rent, salaries, etc., . . 76 00 

Due for borrowed money, .... 6,000 00 

Slate and local t^xes M 94 

Commissions and brokerage, .... 885 66 

Gross liabilities 72,308 05 

Net cash assets |84,716 6S 

InoohC 



Premiums outstanding Doc 31, 1895, 
Premiums on risks written or reuewed, . 



Total #38,772 93 

Premiums now in course of collection, . . 2,366 89 



Entire premiums collected, .... 
Less reinaitrunce and return premiums, . 
Net cash premiums received, .... 
Received for estra premiums, .... 
Interest and dividends received from all sources. 



130,417 04 
1,168 21 



•29,264 8S 

415 39 

4,001 17 



Income from rents, 9.56 11 



GroBs cash income, 134,626 60 



EXPEKD1TCKB3. 

Cash paid for losses, 

Deduct salvage and reinsurance. 
Net cash paid for losses, .... 
Cash paid as profits on terminated policies. 
Cash paid for uommissions and brokerage. 



I203S9 40 
1,600 00 



(19339 40 
15,782 69 
3,841 85 



BOSTON MANITFAGTURERS' MUTUAL FIRE INSURANCE CO. 15 

Cash p«id for salaries of officers and employees, . 13,189 00 

for State and local taxes, 410 09 

for rents and incidentals, 1,791 37 

Gross cash expenditures, |Jb4,S53 74 

Risks and PBEMinHS. 

Amoant. Cash Prtm*8. Contlng't Preai*t. 

Risks ontstandinor Dec. 31, 1895, »9,249,027 00 » 137354 00 $127,73174 

Risks written during 1896, . 2,355^90 00 31,477 02 31,477 02 

Total, 111,604,617 00 $159,331 02 $159,208 76 

Risks terminated daring 1896, 2,320,640 00 29,752 76 29,630 50 

In force at end of year, . . $9,283,977 00 $129,578 26 $129,578 26 

Dedod amount reinsured, . 22,650 00 208 27 208 27 

Net amount in force, . . $9,261,327 00 $129,369 99 $129,369 99 

Miscellaneous. 

Losses incurred during the year, $21,537 00 

Profits or surplus returned during 1896, 25, 40 and 60 per cent 



BOSTON" MANUFACTURERS' MUTUAL FIRE INSURANCE 

COMPANY, BOSTON. 

[loeorporatad Uftreli lb, 18M. ComiiMDead bndnM* Oet. 16, I860.] 
KDWABD ATKINSON, Pre$ideiU, FRANCIS S. ROBINSON, Secretary. 

Office, 31 Milk Street, 



Detailed Statement of Stocks, 



Phila., Wil. & Baltimore Railroad bonds, 

Chicago, Burl. & Quincy Railroad bonds. 

Old Colony Railroad bonds, . . . 

Burl. & Missouri River Railroad bonds, . 

Pennsylvania Company bonds, 

West Shore Railroad bonds, 

Boston & Lowell Railroad bonds, . 

New Jersey Central Railroad bonds, 

Borne, Watertown & Ogdensburg R.R. bonds 

Lehigh Valley Railroad bonds, 

Eastern Railroad bonds, .... 

United Kew Jersey Railway & Canal Co. bonds 

Baltimore & Ohio Railroad bonds, . 

Brookline town bonds, .... 

Boston & Maine Railroad bonds, , 



Bonds, etc. 

Par ValiM. 

140,000 00 
60,000 00 

120,000 00 
80,000 00 
80,000 00 
60,000 00 
76,000 00 
60,000 00 
60,000 00 
26,000 00 
26,000 00 
60,000 00 
• 60,000 00 
66,000 00 
60,000 00 



Harictt Value. 
144,200 00 

48,260 00 
124,900 00 
34,960 00 
33,000 00 
62,760 00 
78,000 00 
67,760 00 
68,876 00 
27,600 00 
29,760 00 
66,000 00 
40,000 00 
66,000 00 
66,600 00 



»760,000 00 »807,426 UO 



16 BOSTON MANUFACTUBEBB' MUTCAL FIBE INSmtANCE CO. 



SCHMART OF ASSETS DeC. 31, 1896. 

Stocks, bonds, etc., as per schedale, . . tS07,4SS 00 

Cash loans secured 8,383 02 

Cash in the office of the company, . . . 7,462 96 

Cash deposited in bank 82,936 04 

Interest due and accrued, 9,281 93 

Gross assets, 1865,391 OO 

Liabilities. 

Unearned premiums on ontstanding risks, . 9424,978 26 

State and local (axes, 1,077 63 

Gross liabilities 426,055 91 

Ket cash assets, |439,39d 09 

IircoHE. 
Premiums on risks written or renewed, . . |S85,71d 31 
Less reinsurance and retam premiums, . . 31,912 95 

Net cash premiums received, .... 1853,776 36 

Interest and dividends received from all aonrces, . . • 38,445 25 

Gross cash Income, 9882,221 61 

EXPEtn>ITUItE8. 

Cash paid for losses, (66,544 77 

as profits on terminated policies, .... 560,391 95 

for salaries of officers and employees, , . , 33,409 25 

for Slate and local taxes, 8,309 61 

for rents, 1,976 36 

for inspections and plana, 16,919 9S 

for incidentals 10318 44 



Gross cash expendllnres (697,300 20 

Risks and Freuidii8. 

Amount. Cut Pnni'L ContlBtrt Fraat. 

Bisk8out3tandingDec.31,1895, 1106,133,218 00 (847,708 83 fl,2.H8,5l9 10 
Uisks written during 1896, . 118,423,064 00 886,719 31 4,428,696 56 

ToUl 1319,565,313 00 (1,733,433 13 |8,667,115 65 

Risks terminated during 1896, 111,112,113 00 883,466 68 4,417,333 90 



In force at end of year, , .(108,443,199 00 1819,956 66(4,249,782 76 

TdlSCEtXANSOUS. 

Losses incurred daring the year, (55,386 00 

Profits or surplus returned during 1896, 65]^^ per cent. 



BRISTOL COUNTY MUTUAL FIRE INSURANCE CO. 



17 



BRISTOL COUNTY MUTUAL FIRE INSURANCE COMPANY, 

NEW BEDFORD. 

[iDGorponted Feb. 13, 1820. Commenced bnslneM Jnly 4, 1829 ] 

JAMES TAYLOR, Pretideni. GEO. N. ALDBN, SecrtUtry, 

[Non.— PoUdeB are all IsBaed for five years, ten per cent, of the premium note being 
received In cash at the time of issuing the policy. The notes are assessed as necessity requires. 
No ctfh fands are accomulated.] 



SUMMAKT OF ASSETS DeC 31, 1896. 



Cash in the office of the company, . 

Cash deposited in bank, 

Preminms in coarse of collection (gross), 
Frem's more than three mos. due, . $29 00 
Gross assets, 

• 

Liabilities. 

State and local taxes, 

Coromis.«>ions and brokerage, .... 
Gross liabilities, 


f 70 68 

3,181 92 

121 94 


(3 26 
16 43 



f 3,374 44 



tl9 69 



Income. 

Premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed. 



Total, 

Premiums now in course of collection. 

Entire premiums collected. 
Less reinsurance and return premiums. 
Net cash premiums received, . 
Rcceired for extra premiums, . 
Income from policy fees, 



f272 14 
3,450 30 

13,722 44 
150 94 

13,671 60 
193 99 



Gross cash income. 



13,377 61 
32 00 
12 60 

13,422 01 



Expenditures. 



Cash paid for losses, ..... 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 



$566 75 


208 27 


999 96 


36 91 


193 89 



Gross cash expenditures. 



$2,006 28 



18 BUSINESS men's MUTUAL FIBE INSUBANCE CO. 



Risks and Premiums. 

Amount. ContlnCt Prem*!. 

Risks outstanding Dec. 31, 1895, . . .(2,617,030 00 $194,036 00 

Risks written during 1896, .... 505,375 00 34,560 00 

Total, 13,122,405 00 1228,596 00 

Deduct risks expired and terminated, . . 721,575 00 66,423 00 

In force at end of year, (3,400,830 00 (162,173 00 

Miscellaneous. 

Losses Incurred during the year, ...... (567 00 



BUSINESS MEN'S MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[iDoorponted J«n. 5, 1895. Commenced bmlneM Jan. 4, 1890.] 
BTBPHBN MOORE, JPruident. ^OWABD QANNBTT, Secretary. 

Office, 53 ataU Street. 

SUHMABT OF ASSETS DeC. 31, 1896. 

Cash in the office of the company, ... $1 09 

Cash deposited in bank, 109 91 

Premiums in course of collection (gross), . 869 56 

Gross assets, |980 56 

Liabilities. 

Unearned premiums on outstanding risks, . $863 17 

Gross liabilities, 863 17 



Net cash assets, tll7 39 

Income. 

Premiums on risks written, .... (1,864 20 
Premiums now in course of collection, . . 869 56 

Entire premiums collected, .... $994 64 

Less reinsurance and return premiums, . . 311 60 

Net cash premiums received, .... __^^ |683 04 

Income from commissions, • 93 

Gross cash income, (683 97 



CAMBRIDGE MUTUAL FIRE INSURANCE CO. 



19 



EXPCNDITCRES. 

Cash paid for com missions and brokerage, 
for State and local taxes, 
for rent and iocidentals, 

Gross cash expenditares, . 



f72 39 
IS 66 

487 00 



•572 97 



Risks amd Premiums. 



Risks written daring 1896, 
Risks terminated daring 1896, . 

In force at end of year, . 



Amounti 
(213,850 00 
31,700 00 



CMbPrem'a. Contiii(*t Prmi't. 

f 1^64 20 $3,728 40 
819 85 638 70 



$181,650 00 $1,544 85 $3,089 70 



CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY, 

CAMBRIDGE. 

[Ineorporated Mareh 18, 1888. Oommtoood bii«lD«M Jui. 1, 1884.] 
DANA W. HYDE, PrMidtfU, ALFRED L. BARBOUR, Secretary, 



Amoant of permanent fund, . 



$130,688 77 



Detailed Statement of Stocks, 



Cambridge city bonds, 
Boston city bonds, . 
Portland city bonds, 
Belfast city bonds. 
Highland Street Railway bonds. 
Eastern Railroad bonds, . 
Boston & Lowell Railroad bonds, 
Fitchbnrg Railroad bonds, 
15 shares National City Bank, Cambridge, 
1 share Framingham National Bank, 



Bonds, etc. 

Par V«]ue. 

$2,000 00 
5,000 00 

10,000 00 
2,000 00 
4,000 00 
1,500 00 
5,000 00 
1,000 00 
1,500 00 
100 00 



Market Value. 

$2,400 00 

5,000 00 

12,200 00 

2,000 00 

4,400 00 

1,740 00 

5,000 00 

1,000 00 

2,250 00 

150 00 



$32,100 00 $36,140 00 



SUMMART OF ASSETS DEC. 31, 1896. 

Cash valae of unencumbered real estate, . $59,750 00 
Loans on mortgage of real estate (first liens * ) , 1 13,883 00 
Interest due or accrued thereon, . . 2,373 12 

* Valae of lands mortgaged $74,700 00 

Vatae of IraildlDga thereon, 142,700 00 

Amonat of into raoeo held aa oollateral, . . . • 182,100 00 



so CAHSRIDOE HUTDAL FIBE mSUBANCE CO. 

Stocks, bonds, etc., u p«r schedule, . . t36,U0 00 

Loaos on personal security, , , , . 3,000 00 

Cash in the office of the company, . . 1,818 88 

Cash deposited in bonlc 9.084 fil 

Interest dne and accrued, 467 01 

Premiums in coarse of collection (gross), . 14,502 64 

Bents due and accraed, 1,826 60 

Prem'9 more than three mos, due, (2,809 74 

Gross assets (242,814 66 

LlABILITIEa. 

Losses adjusted, unpaid, (4,600 00 

Unearned premiums on ontstandiug risks, ■ 163,962 48 

Surplus due on terminated policies, . . 4,093 68 

Comroissiona and brokerage 2,696 86 

Gross liabilities, 166,153 01 

Net cash assets, (77,691 65 

Incohk. 
Prvmlnms outstanding Dec. 31, 1895, . . (16,408 92 
Same not collected, 316 86 

Net collected, (16,093 07 

Premiums on risks written or renewed, . . 99,084 46 

Total, (116,177 62 

Premiums now in course of collection, . . 17,312 38 

Entire premiums collected, .... (97,86d 14 
Less reinsurance and retnrn premiums, . . 3,674 26 

Net cash premiums received, ■ . . , (94,190 88 

Received for extra premiums, 730 61 

Interest received on mortgages 3,556 66 

Interest and dividends received from all other sonrces, . . 1303 12 

Income from rents, 6,966 15 

Gross cash income (107,247 42 

ExrENDITCRES. 

Cash paid for losses (31,009 78 

as profits on terminated policies 34,349 60 

for commissions and brokerage, .... 13,830 73 

for salaries of ofBcera and employees, . . . 7,650 00 

for State and local taxes 2,681 60 

for rcDts and incidentals 6,293 16 

for expenses on real estate, 3,4!5 93 

Gross cash expenditures (98,189 79 



CITIZENS* MUTUAL FIRE INSURANCE CO. 21 



Risks and Premiums. 

Amoont. Gash Pr«m*B. ContlngH Prem*a. 

Risks ontstanding Dec. 31, 1895, 116,871,003 00 $266,486 89 $266,486 89 

Bisks written daring 1896, . 6,037,829 00 99,084 45 99,084 45 



Total, $22,908,832 00 $365,571 34 $365,571 34 

Risks terminated during 1896, 4,467,675 00 68,498 87 68,498 87 



In force at end of year, . . $18,441,157 00 $297,072 47 $297,072 47 
Dedact amount reinsured, . 4,000 00 50 00 50 00 



Net amount in force, . . $18,437,157 00 $297,022 47 $297,022 47 

Miscellaneous. 
Losses incurred during the year, $29,425 00 



CITIZENS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated March 7, 1846. Commenced baslnen Oct. 6, 1S46.] 
HESBY C. BIOELOW, President, T. WALLACE TRAVIS, Secretary. 

Office, 8 Exchange Place. 
Amount of permanent fund, $174,441 91 

Detailed Statement of Stocks, Bonds, etc. 

Par Yalae. Market Value. 

30 shares Hide and Leather National Bank, . $3,000 00 $3,250 00 

15 •* Natiek National Bank, . . . 1,500 00 1,800 00 

10 '• Farmington National Bank (N. H.), 1,000 00 1,000 00 

Butchers' S. and M. Association bonds, . . 4,000 00 4,000 00 

Denver Land and Security Co. bonds, . . 1,800 00 1,800 00 



$11,300 00 $11,850 00 



SuMMAKT or Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, $24,900 00 

Loans on mortgage of real estate (first liens *), 280,195 00 

Interest due or accrued thereon, . . . 4,606 94 

Stocks, bonds, etc., as per schedule, . . . 11,850 00 

• Total value of property mortgaged, . • • . $540,800 00 

Amoottt of Ineoranee held ae eoUateral, . . . . 883,450 00 



22 citizenb' mutual FIBE IKSUHAKCE CO. 

All cash loans, 1^,000 00 

Cash in the office of the company, . . . 876 78 

Cash deposited in banks, 19,202 58 

Interest due and accrued, 208 50 

Premiums in course of collection (gross), 2,711 88 

Gross assets, t348,550 18 

LiABiLrriES. 

Losses adjusted, unpaid, $2,800 00 

Unearned premiums on outstanding risks, . 187^14 d8 

Profits or surplus on terminated policies, unpaid, 810 26 

Commissions and brokerage, .... 406 71 

Gross liabilities 191,331 90 

Net cash assets, $157,218 28 

Income. 

Premiums outstanding Dec. 31, 1895, . . $4,222 98 
Premiums on risks written or renewed, . . 85,145 74 

Total, $89,368 72 

Premiums now in course of collection, . • 2,711 38 

Entire premiums collected, .... $86,657 34 
Less reinsurance and return premiums, . . 4,185 25 

Net cash premiums received, .... $82,472 09 

Received for extra premiums, . 1,385 15 

Interest received on mortgages, ...... 14,11358 

Interest and dividends received from all other sources, . . 1,113 86 

Income from rents, 902 87 

Gross cash income, • . . ' $99,987 55 



ExPENDirUIIES. 

Cash paid for losses, $29,637 90 

Deduct salvage and reinsurance, ... 5 07 

Net cash paid for losses, ..... $29,682 83 

Cash paid as proiSts on terminated policies, .... 41,369 42 

for commissions* and brokerage, .... 12,546 88 

for salaries of officers and employees, . . . 7,739 02 

for State and local taxes, 1,417 86 

for rents, 1^00 00 

for incidentals, 2,623 32 

Gross cash expenditures, $97,129 33 



COHASSET mrrUAL FIBS IK8URAN0E GO. 23 



RI8K8 AHD FBBxicnn. 

AmimUL Oith Prm't. CoatlngH Prem*i. 

Ris1uootstandiogDeo.dl,1896, 126331,873 00 $869,880 72 1869,880 79 

BiBb written daring 1896, . 6^19.757 00 86,145 74 85,145 74 



ToUl, |83,S01,680 00 |455,026 46 f455,0S6 46 

Bisks terminated daring 1896, 5,089,777 00 67,526 91 67,526 91 



In force at end of year, . . $28,111358 00 $887,499 55 $387,499 55 
Deduct amoaut reinsured, . 19,700 00 194 53 194 53 



Net amount in force, . . $28,092,158 00 $387305 02 887305 02 

M18CEIXAIIEOU8. 

Losses incuiTed daring the year, $31,938 00 

Profits or surplus returned during 1896, 70 and 50 per cent 



COHASSET MUTUAL FIRE INSURANCE COMPANY, COHASSET. 

[Ineorponted Mareh 18, IStt. CommtBotd bwtiMM lUreh 1% 1S4S.] 
LOUIB V, LZNOOLK. PretideHL PHILANDBB BATES. S^crOary. 

Detailbd Statement of Stocks, Bonds, etc. 

i 

Par Tftlae. Market TaIcm. 

9 shares City National Bank, Boston, . . $900 00 $720 00 

3 *« Merchants' National Bank, Boston, . 300 00 450 GO 

$1,200 00 $1,170 00 

Summary of Assets Dec. 31, 1896. 

Stocks as per schedule, . . $1,170 00 

Gash in the ofSce of the company, ... 22 25 

Cash deposited in hank, 822 33 

Premiums is course of collection (gross), . 21 78 
Office furniture, . . . $60 00 

Gross assets, $2,036 85 

LlABILTTIES. 

Unearned premiums on outstanding risks, . $2,636 06 

Gross liabilities, 2,636 06 

Balance against company, ....... $599 71 



24 



COHA88ET MUTUAL FIBE INSURANCE CO. 



Income. 



Preiniuins outstanding Dec. 31, 1895, 
Same not collected, .... 



Net collected, ..... 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash premiums received, . 

Received for extra premiums, . 

Interest and dividends received from all sources, . 



iUS 47 
74 16 



t74 31 
1,193 80 


$1,268 11 
21 78 


1 1,246 33 
44 33 



Gross cash income, 



11,202 00 

7 48 

62 54 

$1,271 97 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, . 
for salaries of officers and employees, 
for State and local taxes, . 

for rents, 

for incidentals, 



Gross cash expenditures. 



$1,000 95 


667 97 


284 08 


11 38 


50 00 


23 02 



$1,937 40 



Risks and Premiums. 

Amonnt. 

Risks outstanding Dec. 81, 1895, $354,020 00 
Riaks written during 1896, . 75,165 00 



Total, $429,185 00 

Risks terminated during 1896, 75,140 00 



In force at end of year, . 



Caah Prem'8. 0001107*1 Prem*B. 

$5,232 55 $16,321 14 
1,193 80 3,581 40 



$6,426 35 $19,902 54 
1,010 10 3,461 94 



$354,045 00 $5,416 25 $16,440 60 



Miscellaneous. 

Losses incurred during the year, 

Profits or surplus returned during 1896, 15, 30 and 50 per cent. 



$1,001 00 



CONTINENTAL MUTUAL FIRE INSURANCE CO. 25 



CONTINENTAL MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Ineorporated Deo. 14, IBM. Ooinm«iMed botloMS Jan. 16, 1805. J 
ARTHUR E. KRIEGEB, PreHdent. RICBARD 0. PETERS. Secretary, 

Office, 639 Exchange BuiUHng. 

SUMMAKY OF ASSETS DeG. 81, 1896. 

Cash io the office of the company, . . , $4,09 1 65 

Cash deposited in bank, 41 37 

Unpaid assessments on deposit notes, $6,681 16 

Return premiums due, 747 63 

Frem's more than three months due, f 28 70 

Gross assets, $4,880 65 

Liabilities. 

Losses adjusted, onpaid, $474 92 

Losses disputed or resisted, .... 6,566 71 

Unearned premiums on outstanding risks, . 36 50 

Return premiums on cancelled policies, . • 218 91 

State and local taxes 123 36 

Comnnissions and brokerage, .... 5 74 

Gross liabilities, 7,426 14 

Balance against the company, $2,545 49 

Income. 

Premiums outstanding Dec. 31, 1895, . • $3,544 56 
Premiams on risks written or renewed, . . 8308 27 

Total, $12,352 88 

Premiums now in coarse of collection, . . 28 70 

Entire premiums collected, . ... $12,824 18 

Less reinsurance and return premiums, . . 6,893 89 

Net cash premiums received, .... $5,430 24 

Received for extra premiums, 202 58 

Interest and dividends received from all sources, ... 86 24 

Income from assessments, 6,272 30 

Gross cash income, $11,991 36 

Expenditures. 

Cash paid for losses $7,434 07 

I>edoct salvage and reinsurance, ... 17 17 

Net cash paid for losses, $7,416 90 

Cash paid for commissions and brokerage, . . . . 872 81 

Cash paid for salaries of officers and employees, • • . 3,590 00 



26 COTTON AND WOOLEN MANUFAGTUBERS' INSURANCE CO. 

Cash paid for State and local taxes, $25 00 

for rents, 400 00 

for incidentals, 2,065 47 

Gross cash expenditures, 114,369 68 



Risks and Preihums. 

Amount. Ca«h Prem'a. Contln^t Crem't. 

Risks outstanding Dec. 31, 1895, $1,017,009 00 $16,665 53 $49,996 59 

Risks written during 1896, . 428,130 00 8^08 27 26,424 81 



Total, .... $1,445,139 00 

Risks terminated during 1896, . 1,441,339 00 



In force at end of year, . 



$3300 00 



$73 00 



$25,473 80 $76,421 40 
25,400 80 76,202 40 



$219 00 



Miscellaneous. 

Losses incnrred daring the year, 

Assessments laid on deposit notes or contingent premiums, . 



$14,280 00 
12,953 00 



COTTON AND WOOLEN MANUFACTURERS' MUTUAL INSURANCE 

COMPANY, BOSTON. 

[Inoorponted Oot. 19, 1876. Oommenoed bnataeM Oct. 20, 1876.] 
M. V. B. JBFFEEISON. Pretideni. BENJAMIN TAFT, Secrttar^. 

Office, 31 Milk Street. 



Detailed Statement of Stocks, 



Fitchburg Railroad bonds, 

Chicago, Burlington & Quincy R R. bonds, 

Boston city bond, .... 

Metropolitan Street Railroad bonds, 

Maine Central R.R. bonds, 

Cheshire R.R. bonds, 

Portland & Ogdensburg R.R. bonds, 

New York & New England R.R. bonds, 

Lynn & Boston R.R. bonds, 

Middlesex R.R. bonds, 

Highland Street R R. bonds, . 

South Boston R.R. bonds, . 

West End Street R R bonds, . 



Bonds, etc. 

Par Value. 

$24,000 00 
10,000 00 
2,000 00 
16,000 00 
86,000 00 
17,000 00 
10.000 00 
17,000 00 

;2.ooo 00 

1,000 00 

1,000 00 

6,000 00 

17,000 00 



Market Value. 

$26,480 00 

9,800 00 

2,020 00 

16,812 60 

86,960 00 

17,882 60 

10,400 00 

18,966 00 

12,000 00 

1,060 00 

1,086 00 

6,260 00 

17,140 00 



COTTON AKD WOOLEN HANITFACTURERS' INSURANCE GO. 27 



CoDoecticnt River R.K. scrip, . 
Bangor & Aroostook R.R. bonds, 
Corporation notes* . 



15,000 00 
16,000 00 
26,000 00 



lteik«t YAlae. 
16,000 00 

16,000 00 
86,000 00 



t212,000 00 f217,776 00 



SUMMART OF ASSETS DKC 

Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, . . • 
Interest due and accrued, . 
Premiums in course of collection (gross) 
Rents due and accrued. 

Gross assets, .... 



81, 1896. 

1217,776 00 

8,891 68 

61,369 83 

8363 27 

3,261 49 

800 00 



1279,960 72 



LlABIUTIKS. 

Unearned premiuais on outstanding risks. 
State and local taxes, .... 
Gross liabilities, 



1162,483 21 
600 10 



163,033 81 



Net cash assets, 1126,917 41 



Ikoomb. 

Premiums outstanding Dea 81, 1896, 
Premiums on risks written or renewed, . 



17,081 28 
822,166 18 



Total, 1329,247 41 

Premiums now in course of collection, « . 3,261 49 



Entire premiums collected, .... f 826,996 92 

Net cash premiums received, .... 

Interest and dividends received from all sources, . 



t826,996 92 
12,271 60 



Gross cash income, 1^38,267 62 



EXPENDITCRIS. 

Net cash paid for losses, 

Cash paid as profits on terminated policies, • 

for inspections, .... 

for salaries of officers and employees, 

for State and local taxes, 

for rents and joint office expenses, . 

for incidentals, • . . • 



$46,178 01 
222,768 72 
9,991 34 
8,262 40 
3,442 64 
6,814 10 
1,826 79 



Gross cash expenditures, « . $298,262 90 



DEDHAM MUTUAL FIBE INBUBANCE CX>. 



Bisks and Pbeuidms. 

AnuHiiit. Cub Pnm*i. Conllnfl Pnm'*. 

Risks outetan<)ing Dec. 31, 1695,130,865,266 00 $303,361 28 11,516,306 40 
Risks written during 1896, . 37,089,51100 322,166 18 1,610,830 90 



Total #67,464,767 00 f625,427 46 |3,127,187 30 

Ridks termioated during 1896, . 34,726,222 00 320,561 05 1,602,805 26 



Id force at eud of ;ear. 



. 132,728,646 00 1301,866 41 11,624332 06 



Miscellaneous. 

Losses incurred during the year, 141,533 00 

Profits or surplus returned during 1896, 70 per cent. 



DEDHAM MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

[locorporktad Feb. 13, IStl. Commeaeed buliHH Jnlj 1, IS3T.] 
GEO. B. FAUKCB, PmidaU. ELIJAH HOWE, JB„ Sicntarf. 

Amoont of permanent fund, 189,766 77 

Detailed Statement of Stocks, Boni>9, etc. 

Dedhara National Bank stock (1,200 00 f 1,300 00 

Dedham Water Company stock, . . . 2,600 00 2,500 00 

Atch., Topeka & Santa F6 R.R. stock, . . 5,000 00 700 00 

Atch., Topeka & Santa F6 R'y stock, . . 7^00 00 1,679 00 

Boston city bonds 2,000 00 2,300 00 

Cincinnati city bonds, 6,000 00 6,960 00 

Sulem water bonds - . 3,000 00 3,340 00 

Wasliingtou Counly (III.) bonds, . . . 5.000 00 fi.OOO 00 

N. H. Trust Company bonds 4,600 00 3,250 00 

Western Secuiity Company bonds, , . 6,000 00 3,600 00 

Lombard Investnient Company bonds, . . 8,240 00 1,990 00 

New England Mortgage Security Co. bonds, . 8,000 00 7,600 00 

Boston A Lowell R.lt bond 10,000 00 10,600 00 

Kan. City, St. Jos. & Council BlnB'sR.R. bonds, 2,000 00 3,860 00 

Atch., Topeka & Santa Vk R R. bonds, . . 12,000 00 7,960 00 

Philadelphia & Reading R.R. bonds, . 5,000 00 6,350 00 

Old Colony R.R. bonds 2,000 00 3,100 00 

Union Pacific Railway bonds 16,000 00 14,100 00 

St. Johnsbury & Lake Champlain R.R. bonds, 6,000 00 7,147 SO 



1106,740 00 t90,436 50 



M UUTUAt, FIBE mStTRANCE CO. 



UHAKT OF Assets Dec. 31, 



real estale (first liens) 


J36,400 00 




■d Ihereon, 


1,323 76 




per schedule, . 


90,436 SO 




he company, . 


646 99 




k 


1.799 59 




jed 


1,168 00 




f collection (gross). 


2,664 80 


J134,319 14 






Liabilities. 






lid 


•UOOOO 






41,421 60 




cancelled policies, . 


162 04 




rmiDHted policies, uopait 


1,586 11 




kersge, . 


883 14 


45,045 89 










J89.87S 25 


IKCOME. 




g Dec. SI. 1896. . 


»2304 66 






(2304 66 




rittea or rensTred, . 


28,673 06 






»31,377 72 




rse of collection, . 


2,654 SO 





ected t28.82S 42 

return premiums, . . 386 34 

eceived (38,438 08 

nortgagea 1,226 12 

s received from all other sources, . 8,865 16 

le, (33,618 36 

EXPKNDITUKCg. 

(12,639 64 

>n terminated policies 10,925 01 

saiona and brokerage, .... 4,18479 

B of ofBcers and employees, . . . 4.644 24 

nd local t&ses, S24 68 

270 00 

ital 755 00 

iditares 133.643 86 



DOBOHBSTEB MUTUAL FIBE mSURANOE CO. 



Bisks and Prekidhs. 



RisksoutstaiidingDec.31.1895, 14,904.622 00 fT7,S42 21 «7T,312 31 
Kbits written during 1896,. . 1,811,986 00 28^73 06 28,673 06 



Total (6,716,608 00 910631C 37 |I06,81S 37 

Riskn terminated daring 1896, . 1,513,549 00 23,438 69 33,428 59 



In force at end of year. 



. »6,203,0S9 00 |S2,3B6 68 183,386 68 



MiSCXLLANEOnS. 

LosaeB incurred during the year, 913,091 00 

ProfitB or surplus returned during 1896, 25, 33), 60 and 70 per ce pt. 



DORCHESTER MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

(locorponted Fsbnur;, 1BU. ComimD«d biulDei* Jnl;, UH.] 

THOUAS F. TBHPLS, Prfidemt. W. D. O. ODBTIB, Stcnlary. 

Office, Neponset. 
Amount of permanent fand, $200,000 00 



Dktailrd Statement of Stocks, 

Deti'oit, Lansing & Northern Railroad bonds, 

Fitchburg Railroad bonds, 

Chicago, Burlington & Quincj ttallroad bonds, 
66 shares Bine Uill Nntiona] Bank, 
£0 " Boston National Bank, , . 
30 ■• Honard National Bank, . 
20 " Continental National Bank, . 
13 " Hide and Leather National Bank, 
10 " New England National Bank, 
80 " Columbian National Bank, . 
SS " State National Bank, 
10 " Mt. Wollaston National Bank, 
5 " Granite National Baok, . 
10 " Wejmoulh National Bank, 

804 " Boston & Albany Hitilroad, . 

273 " Old Colony Railroad, . 
76 " Boston & Maine Railroad, 



KB, Bonds, ktc 




PvViM*. 


Mirtft TulM. 


tT,000 00 


|4v^50 00 


33,000 00 


33.480 00 


10.000 00 


9,800 00 


6,600 00 


6,880 00 


6,000 00 


4,500 00 


3.000 00 


1,780 00 


2,000 00 


2,000 00 


1.300 00 


1,296 00 


1,000 00 


1,600 00 


3,000 00 


2,940 00 


3,300 00 


3,597 00 


1,000 00 


1,400 CO 


600 00 


660 00 


1.000 00 


1.200 00 


80,400 00 


63.536 00 


27,300 00 


48,867 00 


7,600 00 


13,450 00 



8TEB UirrUAL FIRE INSURANCE CO. 

Par Vain*. Mm 

Lowell Railroad, . . f5,600 00 fi: 

»d MT g Co , . . . 12,300 00 11 

lal Troflt Co., . . . 80,000 00 6( 

(187,700 00 1281 

MMABT OF Assets Dec. 31, 1896, 

imbered rent estate, . $33,000 00 

'reaUBUto(aratliei]3*), 81,588 IS 

lA thereon, ... 460 00 

. per schedule, . . 289,413 00 

ik 6,656 79 

ued 680 00 

)f collection (gioss), . 18,945 6 



ISO 00 



'ee mos. due, . f 3,120 Ifi 



Liabilities. 

Lid iijm 31 

OD oatstandiDg risks, . Sfil,472 29 

ermiaated policies, unpaid, 8,300 00 

)ney 15,000 00 

)kerage 3,095 54 



f 16,460 81 
1,248 45 



$15,212 36 

Titten or renewed, . . 140,474 77 



le of collection, . 16,066 84 



lected tI39,631 29 

i retnm preoiiams, . . 3,801 85 

-eceived flS 

remiums, 

iDonpved •n,ooa w 

lln(i HierwiD 3a,W0 W 

. . 10,000 DO 



82 EAGLE MUTUAL FIRE TySDBANCE CO. 

Interest received on mortgages, f 1, 173 50 

Interest and dividends received from all other sources, . . 12,735 77 

Income from rents, 1,698 00 



Gross cash income 

Expenditures. 

Casb paid for losses, 

Deduct salvage and reinsurance, 

Ket cnsb paid for losses, 

Cash paid as profits on terminated policies, . 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for rents and incidentals, . 
for interest on borrowed money. 



177,484 83 
67,107 41 
21305 58 
8,695 02 
2,452 63 
4.079 27 
500 00 



Gross cash expenditi 



Risks and FitEiitcits. 

Risks ontstanding Dec. 31, 1895, 133,048,292 00 «513,031 Ofi 
Risks written dniing 1896, . 6,942,726 00 140,474 77 



Total 141,991,017 00 1654,395 82 

Risks terminated during 1896, . 9,176,264 00 140,869 91 



In force at end of year. 



1513,921 06 
140,474 77 



(654,395 82 
140,869 91 



. I323U.753 00 »513,626 9 



Miscellaneous. 

Losses incurred during the year 

Profits or surplus returned during 1896, 20, 40 and 60 per cent 



EAGLE MUTUAL FIRE INSURANCE COMPANY", BOSTON. 

[Ineorporktai] If ■j' •, IMS. CammeDwd buloeia Ang. 1, ISM.] 
HENIIT F. WHITNEr, Fraldcnl. QEOKOE B. BEATO:^, Seerttarf. 

Office, 44 Eitby Street. 



SuuuAHY OF Assets Dec. 31, 



Cash deposited in bank, 

Unpnid assessnienls, . 

Gross assets. 



klUTUAL FIRE INSURANCE CO. 



ted. ! ! . 
outstanding risks, 
[)t, salaries, etc., . 


»2,653 87 
6.W00 
61 91 

850 00 


♦1,10 






company, . . . 




♦833 


IHCOMK. 






ten or i-eoewed, . 


16,513 78 
7,303 8? 




e of collection, . 


♦13317 64 
228 72 




ed 

torn premiums, . 
ived, .... 


♦13,586 93 
8,302 95 


♦5.2S 




nts 




6.56 
♦113& 


EXPENDITUSBS. 








♦5.611 


ans and brokerage, 

f officers and employees, 

local taxes. 




9Ui 

5,22^ 

7i 












♦IMl 


■ Bisks and Pbehiums 




S1.1896, »1,086,10« 00 
96, . 426,361 00 


Cuh Pnm-i. 

♦11.776 56 

7.303 86 


ConUnrtn 

♦3632 
21,91 


. $1,512,867 00 
189S, . 1,502.480 00 


♦ 19.080 42 
18,976 60 


•57,24 

56,9* 


. . ♦9,887 00 


♦109 82 


♦31 


MI8CELI.AMEOC3. 














16.40 



34 



EASTERN MUTUAL FIRE INSURANCE CO. 



EASTERN MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[IncorporBted Jan. 8, 1804. Oommenced bnsloMs Feb. 1. ISM.] 
HARRY J. JAQUITH, JYesident. M. SINCLAIR WILLIAMS, Secretary. 

Office^ 30 Congress Street. 



Summary of Assets Dec 

Cash in the ofSce of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks. 
Return premiums on cancelled policies, . 
Due and accrued for rents, policies, etc., . 
Gross liabilities, 



Net cash assets, 



81, 1896. 

13,439 70 
5,969 81 
1,071 46 



$615 72 

3,613 48 

4,428 95 

294 80 

287 00 



Income. 

Premiums outstanding Dec. 31, 1895, 
Same not collected, 



Net collected, . . • . . 

Premiums on risks written or renewed, . 

ji Ota I, • . ... • . • 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 
Net cash premiums received, . 
Received for extra premiums, . 
Interest and dividends, .... 



♦7,044 78 
188 37 

f 6,861 41 
16,709 13 

123,570 54 
1,428 16 

f 22,147 39 
8,218 65 



110,480 47 



9,234 90 
11,245 57 



113,933 74 

97 18 

439 93 



Gross cash income, (14,470 85 



Expenditures. ' 

Cash paid for losses, ..... 

Deduct salvage and reinsurance, 

Net cash paid for losses, 

Cash paid for salaries of officei's and employees, 
for State and local taxes, 

for rents, 

for incidentals, 



130,851 57 
1,586 25 



Gross cash expenditures, . 



129,265 82 

1,630 00 

347 52 

900 00 

2,367 86 

t34,510 70 



£SSEX MUTUAL FIRE INSURANCE CO. 



35 



Risks and Pbemiuhs. 

AoMont. Oish Preni*s. Conttng *t Prem*t. 

Risk8 0iit8tandingDec.31,1895, 12,517,482 00 (43,884 21 $131,652 63 

Risks written during 1896, . 925,324 00 16,709 13 50,127 39 



Total, 13,442306 00 160,593 84 1 18 1,780 02 

Risks terminated during 1896, . 2,994,096 00 51,745 45 155,236 35 



In force at end of year, . • 1448,710 00 (8,847 89 126,543 67 



Ml8CBLL\NEOD8. 

Losses incurred during the year, • 



120,817 00 



ESSEX MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[iDOorporated 1889. Comm«Doed botlneM 1889.] 
flBSTRT M. ICBRK. iVstidMi. CHARLIES H. ODBLL, Secretary, 



Amonnt of permanent fand. 



t51,152 23 



Detailed Statbmbmt of 



Oregon Improvement Co. bonds, 
American Investment Co. bonds, 
Cleveland ft Canton R'y Co. bonds 
City of Missoula (Mont.) bonds, 
City of Chicago bonds, . 
Dnlath Transfer Co. bonds, 
19 shares Astatic National Bank, 
U ^ Salem National Bank, 
41 " Mercantile National Bank 
16 ** Lynn Gas and Electric Co 
30 •• Union Stock Yards Co., 



Stocks, Bonds, etc. 

Par Valae. 
15,000 00 
1,500 00 
5,000 00 
4,000 00 
1,000 00 
3,000 00 
570 00 
1,400 00 
4,100 00 
1,600 00 
3,000 00 



Market Valne. 
$5,000 00 

600 00 
1,750 00 
4,320 00 
1,080 00 
3,000 00 

570 00 
1,680 00 
4,428 00 
3.200 CO 
3,750 00 



130.170 00 129,378 00 



SCHMAKT OF ASSETS DeC. 31, 1896. 



Cash value of unencumbered real estate. 
Lords on mortgage of real estate (first liens), 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, • 
Cash in the office of the company, . . • 



♦24,600 00 

3,000 00 

90 00 

29,378 00 

84 52 



36 



ESSEX MUTUAL FIRE INSURANCE CO. 



Cash deposited in bank, 

Interest due and accrued, .... 
Premiums in course of collection (gross), 

Rents due and accrued, 

Salvage, etc , 

Reinsurance, .... (4,879 54 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Profits or surplus on terminated policies, unpaid. 
Due for borrowed money. 
State and local taxes, .... 
Commissions and brokerage, . 

Gross liabilities, «... 



Net cash assets, 



12.052 36 




354 70 




4,331 06 




250 00 




1,550 31 






165,640 95 


17,796 34 


2,905 00 




20,662 89 




543 58 




4,559 86 




5,000 00 




53 82 




701 49 






42,222 98 




. . . 


(23,417 97 



Income. 



Premiums outstanding Dec. 31, 1895, 
Same not collected, .... 



Net collected, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, .... 
Less reinsurance and return premiums, . . 

Net cash premiums received, .... 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, etc., 



tl5,615 52 
245 72 

(15,369 80 
35,844 44 

(51,214 24 
4,547 01 

(46,667 23 
34,345 73 



(12,321 50 

180 00 

1,937 45 

700 99 



Gross cash income, (15,139 94 



Expenditures. 

Cash paid for losses, 

Deduct salvage and reinsurance, . . • 

Net cash paid for losses, 

Cash paid as profits on terminated policies, . 
Cash paid for commissions and brokerage, 



(48,351 25 
7,911 69 



(40,439 56 
5,260 88 
7,428 85 



FALL RIVER MANUFACTURERS* MUTUAL INSURANCE CO. 37 



Cash paid for salaries of officers and employees, . . $3,567 60 

for State and local taxes, 749 19 

for rents and inspections, 879 99 

for incidentals, 2,468 43 

Gross cash expenditures, 160,794 40 

Risks and Pbkmiums. 

Amoont. Ciflh Pren't. Condnff*t Prtm't. 

Risks ontstanding Dec. 31, 1895, $7^39,024 00 1107,761 09 1107,761 09 

Risks written during 1896, . 2,239,320 00 36344 44 36,844 44 

Total $9,778,344 00 $143,596 63 $143,596 63 

Risks terminated during 1896, 7,746^91 00 IC 6,780 66 106,780 66 

In force at end of year. . .$2,032,968 00 $36,814 97 $36,814 97 

Deduct amount reinsured, . 4^83 00 63 76 63 75 



Net amount in force, . . $2,028,570 00 $36,761 22 $36,751 22 



Miscellaneous. 

Losses incurred during the year, 

Plrofits or surplus returned during 1896, 20, 40 and 60 per cent. 



$38,437 00 



FALL RIVER MANUFACTURERS' MUTUAL INSURANCE 

COMPANY, FALL RIVER. 

[loeorponted F«b. 11, 1870. Ooanneneed batlDMt Hay 1, 1870.] 
THOMAS J. BORDEN, Pruident. OHAULSS 8. WARINO, Seerttarw- 



Detailed Statement of Stocks, 



Taonton city bonds, . 
Fa!l River city bonds, 
Boston city bonds, . 
Newport (R. I.) city bonds, 
Cleveland (O.) city bonds, 
Boston & Ix>well Railroad bonds, . 
Boston ft FroTidence Railroad bonds. 
Concord & Montreal Railroad bonds, 
Chicago, Burl. & Quincy Railroad. bonds, 
Phlla , Wilmington & Baltimore R.R. bonds. 
Old Colony RR. bonds, .... 
Boston & Maine R.R. bonds, . . 



Bonds, etc. 

Par Valae. 
115,000 00 

21,000 00 
40,000 00 
20,000 00 
25,000 00 
.80,000 00 
20,000 00 
16,000 00 
16,000 00 
20,000 00 
80,000 00 
10,000 00 



Maitet Valoa. 
116,900 00 

24,460 00 
42,400 00 
21,400 00 
26,260 00 
30,476 00 
20,800 00 
16,460 00 
13,200 00 
19,800 00 
81,360 00 
10,460 00 



1261,000 00 1271,926 00 



38 FALL BIVEB MAKDFACTUREBS' HUTDAL INSDBAKCE CO. 



Sduuart op Assets Dec. 

Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
Cosh deposited in baak, . 
Interest due and accrued, . 
Premiums iu course of collection (gross), 
Gross assets, .... 



9371,925 00 

2S5 39 

41,238 04 

9,624 87 

l,S6d 13 



Losses claimed and reported, . 
Unearned premiums ou ontstaudiDg risks, 

State and local taxes 

Gross lial>Uiiies, .... 



Net casta ai 



1220 00 

164,835 00 

£39 6fi 



Premiums outstanding Dec. 31, 1895, 
Same not collected, .... 



Ket collected, .... 
Premiums on risks written or renewed. 



(2,678 13 
323,864 07 



Premiums now in course of collection. 

Entire premiums collected, .... 
Less reinsurtiDCe and return premiums, . 

Net cash premiums received 

Interest and dividends receired from all sources. 



|3S6,442 SO 
1,56S 13 



«324,877 07 
13,365 



1311 ,.511 98 
11,511 03 



Gross cash income (9S3,039 01 

EXPEiroiTUHES. 



•42,444 is 

207.717 63 

11,142 00 

3,098 »5 

604 00 

6,456 56 

for incidentals 1.265 03 



Cash paid for losses, 

as profits on terminated policies, . 
for salaries of officers and employees, 
for State and local taxes, . 

for rents 

for inspections. 



Gross cash expenditures 1371,627 42 



FBQ UITTUAI. FIBE I 



Bisks and Prehic 



St,169S, •36,370,355 » 
896, . S8M5fin <X 



. 174.495^76 
gl89fl,. 38,216,919 



MlSCELLlMEOUS 

f the year, 

rned during 1896, 6J ^,' 



UDTDAL FIRR INSl 
FITCHBURG. 

Uarch n, lUT. ComuMMid 



• STATEUKNr or Stoc 

ds.. . . , 

)f America, . 
anufacturing Co., , 
er boDda, 
ational Bunk, 
lUonal Bunk, . 
lilroad, . 

iafe Dep. & Trust Co , 
rnut Co. of America, 



illaleral for cosh loans : 

nufactariag Co., . 
Dufactnring Co^ . 
■roctot Coal Coiupanj, 



40 FITCHBURG MUTUAL FIRE INSURANCE CO. 



Summary of Assets Dec. 81, 1896. 

Cash Talue of unencambered real estate, . 980,000 00 

Loans on mortgage of real estate (first liens *), 84,639 00 

Interest due or accrued thereon, . • . 807 82 

Stocks, bonds, etc., as per schedule, . . 56,190 00 

Loans on collateral security, as per schedule, 10,700 00 

All other cash loans, 8,900 00 

Cash in the office of the company, . . . 1,130 71 

Cash deposited in bank, 8,550 08 

Interest due and accrued, 1,069 02 

Premiums in course of collection (gross), . 16,311 16 

Rents due and accrued, 561 00 

Gross assets, $218,858 79 



Liabilities. 

Losses adjusted, unpaid, f7,679 19 

Unearned premiums on outstanding risks, . 188,774 43 

Profits or surplus on terminated policies, unpaid, 250 00 

Due for borrowed money, .... 25,000 00 

State and local taxes, 997 39 

Commissions and brokerage, .... 2,127 54 

Gross liabUities, . ' . . . . 174,828 55 



Net cash assets, f 39,030 24 

Income. 
Premiums outstanding Dec. 31, 1895, . . (17,635 00 

Net collected, f 17,635 00 

Premiums on risks written or renewed, . . 121,384 60 

Total, 1139,019 60 

Premiums now in course of collection, . . 16,311 16 

Entire premiums collected, .... 1122,708 44 

Net cash premiums received, .... (122,708 44 

Received for extra premiums, 1,212 00 

Interest received on mortgages, 2,229 74 

Interest and dividends received from all other sources, . . 2,872 50 

Income from rents, 3,361 58 

Gross cash income, 1132,384 26 

* Value of laodt mortgaged $20,060 00 

Value of buildlDga thereon, 40,250 00 

Amoant of Insarance held aa collateral, . • • • S0,64O 00 



FRANKLIN MUTUAL FIRE INSURANCE CO. 



41 



EXPENDItURES. 

Cash paid for losses, 

Deduct salvage and reinsorance. 

Net cash paid for losses, 

Cash paid as profits on terminated policies, . 

for oom missions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, . . . .' . 

for expenses on real estate, . 



t71,S8d 01 
636 03 



t70,846 98 
25,183 83 
16,410 59 
8^01 46 
2,236 48 
7J86 08 
2,669 13 



Gross cash expenditures, . 



. #133,934 55 



Risks and Premiums. 

Anoont. Cash Pren't. Contlnf*t Pf«B*a. 

Rislcs oatsUnding Dee. 31, 1895, t22,363,958 00 t346359 67 $346,859 67 

Risls written during 1896, . 8,283331 00 121,384 60 121,384 60 



ToUl, 130,597,789 00 |468,244 27 |468,244 27 

Risks terminated during 1896, . 10,304,909 00 155,337 30 155,337 30 



Id force at end of year, . . |20,292,880 00 (312,906 97 (312,906 97 



Miscellaneous. 



Losses incurred during the year, 

Profits or surplus returned during 1896, 10 and 20 per cent. 



(62,082 00 



FRANKLIN MUTUAL FIRE INSURANCE COMPANY, 

GREENFIELD. 

[Incorporated Feb. 11, 1828. CommeDCMl biitlD«M Sept. 80, 1820.] 
KSLBON BURROWS, PreHdsnt. JOHN D. BOUESR, Stcrttary. 



Amount of permanent fund. 



(4.524 62 



Detailed Statement of Stocks, Bonds, etc. 



50 shares Greenfield Gas Light Company, 
6 " Fi-auklin County National Bank, 



Par Valae. 

(2,500 00 
600 00 



Market Yatae. 
(2,500 00 

624 00 



(8,100 00 (3,124 00 



FRANKLIN HDTDAL FIBE INSOBAXOE CO. 



SUHHAET OF ASSETS DEC. 31, 1896. 

Cash value of an encumbered real estate, , f 1,000 00 

Stocks, tmnds, etc., as per schedule, . . 3,124 00 

Persona! loans 870 81 

Cash deposited iu bank 6,093 17 

Interest due and accrued, .... 80 44 « 

Premiums in course of collection (gross), . 1,307 15 

Rents due and accrued, 100 00 

Assessments due, ... (13,49108 
Prem's more than three mod. due, > 3,938 65 

Gro99 assets, »12,474 07 

Liabilities. 

Losses adjusted, unpaid, 11,633 07 

Losses dispat«d or resisted, .... 3,31542 

Unearned premiums on outstanding risks, . 9,808 66 

Due and accrued for rent, salaries, etc., . . 343 18 

State and local taxes 3 85 

Comroiesiona and brokerage 305 07 

Gross liabilities 1-1,998 15 

Impairment «3,524 OS 

Incoue. 

Premiums outstanding Dec. 31, 1895, . . |6,736 18 

Same not collected, 1,682 07 

Net collected 15,054 05 

Premiums. on risks written or renewed, . 16,938 61 

Total 121,987 66 

Premiums now in course of collection, . 2,463 73 

Entire premiums collected (19,523 93 

Lew reinsurance and return premiums, . 4,305 07 

Net cash premiums received, .... (15,31886 

Interest and dividends receiycd from all sources, . . 1 IS i 

lacume from rents, 100 00 

Received from assessments, 14,083 SO 

GrBSS cash income 129,620 06 



Exl-ENDnUKES. 

Cash paid for losses, .... 

Deduct salvage and reiDBumnco, 

Ket cash paid for losses, 

Ca«b paid for commissions and brokerage. 



(16,913 06 
169 67 



(16,743 S9 
9,6M39 



JID UUTDAL FIBE INSURANCE CO. 43 

tit oCDcors and employees, . tS,58L 67 

1 loctJ tiues 835 18 

1fi6 25 

kls, 1,148 £9 

itarea, |23,6d4 47 

&ISKB AND FBEHIL'HS. 

AmoBDi. Ciih Pnm'i. Conllnrt Prml. 

31,1896, t2."43,386 00 f 40.052 90 140,052 90 

B96, . 787,524 00 16,933 61 16,933 61 

. 93,530.910 00 
ig 1896, 2,177,166 00 

, . . 11,353,754 00 t23,046 34 933,046 34 

Bd, . 2,400 00 43 25 43 25 

e, . 91,361,354 00 923,003 09 933,008 09 

MlSCELLANBODS. 

the year, 910,739 00 



MUTUAL FIRE INSURANCE COMPANY, 
GROVELAND. 

[■nth n, ins. CoinmeiiMdbailnaulfirchU, ]«».] 

no. NATHANIEL H. OBtPPITH, Siattary. 

isrsM no mb pnmtaiiK, bnl nll» upon iu«eMiD*nU oo dtpoalt 



it/LKt OF Assets Deo. 91, 1896. 

! compRDy, ... 97 49 

: 632 20 

9699 69 

Liabilities. 

es 9800 00 

900 00 

9339 69 

Ik con E. 

940 00 

IS 153 00 

; notes 451 42 



9644 43 



HAUPBHIBIi MUTUAL FIRE INSURANCE CO. 



EXPENDITUREa. 

Cash paid for losBea, |708 47 

for salaries of officers and employees, . . 423 33 

for State aod local taxes 14 83 

for rents 40 00 

Gross cosh expenditures 91,186 fit 

BiSKa AND PREHIUUS. 

Bisks outetnndfng Dec. 31,1896, . . .(1,675.193 00 1 119.979 59 

Risks written during 1896, .... 353,70900 25,17420 

Total 13,038,903 00 1146,158 79 

I>educt risks expired and terminated, . 331,177 00 22,745 35 

Id force at end of year, «1 ,707,726 00 |122,408 44 

MlBCELLANEOCB. 

Losses incurred during the year, (108 00 



HAMPSHIRE MUTUAI, FIRE ISSnRANCE COMPANY, 
NORTHAMPTON. 

[IncanwnMd Ibrob 0, ISSO. Commeaccd boitusM Jolf 1, IKS.] 
CHABLSB N. CLABE, Awfdml. OLIVER WALKER, Sicrttarf. 

Amount of permanent fund (27,533 6 

Detailed Stateuent of Stocks, Bonds, etc. 

63 shares Conn. River R,R 

SO " Noilbampton National Bunk, . 
26 « Chicago. Buri.&QuincyR.R,,. 
Chicago, Burlington & Quincy R.R. bonds. 
Conn. River R R. scrip dividend, 
Kansas Pacific B R. consols, . . 



ScHKART OF Assets Dec. 31, 1896. 

Loans on mortgage of resl estate (tirst liens*}, (16,800 00 

Int«rest accrued thereon, 319 59 

Stocks, bonds, etc., as per Bchednle,. . . S5,000 00 

• VaJDaoflandimoricBCsd |10,10i 

Val« ol bnlldloii IhareoD, ........ lT,*Oi 

AmoDDt of laraniBM baU m ooUatenl, 3t,Mi 



(6,300 00 


115,750 00 


2,000 00 


S300 00 


2,500 00 


1,750 00 


400 00 


400 00 


1,000 00 


1,000 00 


6,000 00 


330000 


(17.200 00 


(35,000 00 



[BE UTTTUAL FIRE IKStTI 

le compaay, . . • 

t 

ed. 



Liabilities. 
D outatuDdiDg risks, 
min&ted policies, unpaid. 



INCOUE. 

itten or renewed, . 

cted, 

-etnm preminms, , 



reoeiv«d fr^ m all other sou 



EXFBKDITlIRBa. 

) terminated policies, . 
lions tuid brokerage, 
of officers and employees, 
d local taKes, . . 



UiBKS AKD Premiums. 

, 31, 18»S, •9,976,7M 00 
1896, . 1,011,007 00 

. . 11,987,762 00 
ig 1696, . 1,045,642 00 

r, . . ♦8,942,120 00 

MiSCSLLANEOUS. 

; the year 

roed during 1896, 60 per cet 



46 



HINOHAM MUTUAL FIRE INSUBANGE CO. 



HINGHAM MUTUAL FIRE INSURANCE COMPANY, HINGHAM. 

[iDcorporated Mareh 4, 1826. CommeDced bntlneM Sept. 1, 1826.] 
WM. FEARING, 2d, President. RBNRT W. GUSHING, Secretary, 

Amount of permanent fund, $193,042 98 



Detailed Statement of Stocks, 



30 shares Hingbam National Bank, Hinghara 
60 
8 
10 
19 
29 
12 
34 
26 
11 
30 
60 
92 
109 
27 



Old Colony Nat'l Bank, Plymouth 
Abington National Bank, Abington 
Globe National Bank, Boston, 
Hamilton National Bank, Boston, 
Eagle National Bank, Boston, 
Union National Bank, Boston, 
State National Bank, Boston, . 
North America Nat'l Bank, Boston 
Commerce National Bank, Boston 
Webster National Bank, Boston, 
Hingham Water Company, . 
Old Colony Railroad, 
Boston & Albany Railroad, . 
Chicago, Burlington & Quincy R.R 

Eastern Railroad bonds, .... 

Union Pacific Railroad bonds, . 

Chicago, Burlington & Quincy Railroad bonds 

llingham Water Company bonds, . 

Fitch burg Railroad bonds, 



•c 



il 



l« 



•t 



It 



•i 



tl 



CI 



u 



41 



tc 



Ct 



Bonds, etg. 

Par Valae. 

$3,000 00 
6,000 00 
800 00 
1,000 00 
1,900 00 
2,900 00 
1,200 00 
3,400 00 
2,600 00 
1,100 00 
3,000 00 
6,000 00 
9,200 00 

10,900 00 
2,700 00 
6.000 00 
6.000 00 
6,800 00 

10,000 00 

15,000 00 



Market Value. 

$3,000 00 

7,500 00 

880 00 

840 00 

2,014 00 

2,276 50 

1,663 00 

3,680 50 

2,622 00 

1,232 00 

3,007 50 

6,000 00 

16,284 00 

22,781 00 

1,896 75 

^,900 00 

6,150 00 

6,456 50 

10,300 00 

15,900 00 



Securities held as collateral for cash loans : — 



Helena Consolidated Water Company bonds, 
Boston & Lowell Railroad bonds, . • 
2iK) shares Burl , Cedar Rapids & N'th'n R.R. 
100 *' General Electric Company, 
Current River Railroad bonds, . 
200 shares Union Pacific Railroad, . 
Little Rock & Fort Smith Railroad bonds, 
Union Pacific, Denver & Gulf R.R. bonds, 
Kansas Pacific R.R. bonds, 

85 shares Maine Central R.R., 
200 " Cent. Mass. R.R., . 

50 ** Hereford Railway Co., . 
250 ^ Metropolitan Steamship Co., 



.i 



'J 



■} 



$95,500 00 $119,183 75 

Market Value. Loaned Thereon. 

$23,060 00 $18,964 28 

21,850 00 15,000 CO 



. 16,810 00 12,000 00 



26,880 00 20,000 00 
87,500 00 25,000 00 



$176,100 00 $90,964 28 



HINOHAM MUTUAL FIBE INSUBANCE CO. 47 



Summary of Assets Dec. 31, 1896. 

Cash toIdc of unencumbered real estate, . ^\5ii2Q 74 

lA)ans on mortgage of real estate (first liens *), 112,700 00 

Interest due or accrued thereon, . . 3,824 54 

Stocks, bonds, etc., as per schedule,. • 119,183 75 

Loans on collateral security, as per schedule, . 90,964 28 

Cash in the office of the company, . • . 702 44 

Cash deposited in bank, 9,620 84 

Interest due and accrued, 1,924 90 

Premiums in coarse of collection (gross), . 693 45 
Prem's more than three mos. due, . $86 41 

Gross assets, $353,440 94 

Liabilities. 
Losses claimed and reported, . . • • $100 00 

Unearned premiums on outstanding risks, . 198,014 82 
Profits or surplus on terminated policies, unpaid, 2,998 20 
Commissions and brokerage, .... 100 92 

Gross liabilities, 201,218 94 

Net cash assets, $1^2,227 00 

Income. 
Premiums outstanding Dec. 81, 1895, . . $986 40 

Same not collected, 86 41 

Ket collected, $899 99 

Premiums on risks written or renewed, . . 93,029 41 

Total, $93,929 40 

Premiums now in course of collection, . . 679 86 

Entire premiums collected, .... $93,249 54 
Less reinsurance and return premiums, . . 3,689 67 

Net cash premiums received, .... $89,559 87 

Received for extra premiums, 2,435 20 

Interest received on mortgages, 5,676 75 

Interest and dividends received from all other sources, . . 9,750 65 

Income from sale of real estate, . . $1,500 00 

Gross cash income, $107,422 47 

. EZPKNBITURES. 

Cash paid for losses, $40,73117 

as profits on terminated policies, .... 58,051 86 
for commissions and brokerage, .... 13,480 16 

* Vahie of lands mortgaged, $58,600 00 

ValM of bnlldlttga thereon, 145,950 00 

Amount of laanranee held as collateral, .... 124,800 00 



48 HOLTOKE MUTUAL FIRE IKSDKAK'CE CO. 

Cash paid for salaries of officers and employees, . . . ^5fi?8 18 

for State and local Uses 1,028 6G 

for iDcidentala, 1,661 83 

Gross cash expenditares, 1120,581 8d 

Risks and PREHiuKS. 



Risfcs outstanding Deo. 31, IE 
Risks written during 1896, 

Total, 
Risks terminated during 18 

In force at ead of year, . 



928,118,083 00 
6,314,904 00 



•31,432,987 00 
6,9I7M9 00 



Cub PnD'i- ContFDff^ Pmn^i. 

1410,103 87 f41IJ,103 87 

93,039 41 93,029 41 

•503,133 28 f503,133 S8 

86,111 66 86,1U 66 



•28,615,418 00 1417,021 62 •117,021 62 



Mis<;ellaneovs. 

Losses incurred during the year •38,930 00 

Profits or surplus returned during 1896, 50 and 70 per cent. 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[lowrpontad Mirch 14, lUS. CammaDcwl badncH Um; 21, lUt.] 

OHADLBS H. PKIOE, Preiidinl. WALTKB L. BABEUB, Sterttaty. 

THOd H. JOHMSOS, Vltt-Prrildtnt. 

OUIBADTI OlFITAI., (II)II,0(M. 

Amount of permanent fund, tig^ilOS 40 

Detailed Statehent of Stocks, Bonds, etc. 

Wayoe County (Mich.) bonds, 
Murion County (Ind.) bonds, . 
Washington County (111.) bonds, 
Boston (Mass.) city bonds, 
Billerica (Mass.) town bonds, . 
Birmingham (Ala.) city bonds, 
Clacineati (Ohio) city bonds, , 
Columbus (Ohio) city bonds, . 
Cleveland (Ohio) cliy bonds, . 
Cambridge (Alaas.) city bonds, . 
DfS Moines (Iowa) city bonds, 
Dayton (Ohio) city bonds, 
Evansville (Ind.) city boDds, . 
Dover (K. H.) oily bonds, 
Fitchbufg (Mass.) city bonds, . 
Indianapolis (Ind.) city bonds, 
Jersey City (N. J.) city bonds. 



Pir V*lM. 


ll>rk«l TulK. 


• 1U.000 00 


»10,000 00 


lOiOOO 00 


10,426 00 


2.000 00 


2,090 00 


5,000 00 


6,070 00 


2,000 00 


2.025 00 


6,000 00 


3.750 00 


16,000 00 


18,660 00 


16,000 00 


16,112 50 


13,000 00 


13,860 00 


6,000 00 


5,525 00 


3,000 00 


3,090 00 


10.000 00 


10.376 00 


6,000 00 


6,000 00 


6,000 00 


6,060 00 


2,000 00 


2.035 00 


10.000 00 


10.000 00 


6,000 00 


6.687 60 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



49 



JeffersoDville (lod.) dtj bonds, 

Ljnn (Mass ) city bonds, 

Lawrence (Mass.) city bonds, . 

Maiden (Mass.) city bonds, 

Manchester (Mass.) town notes, 

New Haven (Conn.) city bonds. 

Orange (N. J.) city bonds, 

Omaha (Neb.) city bonds, 

Salem (Mass.) city bonds, 

St Louis (Mo.) city bonds, 

St. Paul (Minn.) city bonds, . 

Atchison, Topeka & Santa F6 Railroad bonds, 

Boston & Maine Railroad bonds, 

Baltimore & Ohio Railroad bonds, . 

Burlington & Missouri River R.R. (Neb.) bonds, 

Ciocinnati, Hamilton & Dayton Railroad bonds, 

Chesapeake & Ohio Railroad bonds, • 

Cleveland, L. & Wheeling R.R. bonds, . 

Chicago, Burlington & Northern R.li. bonds, 

Chicago & Alton R.R. bonds, . 

Chicago & Eastern Illinois Railroad bonds, 
Chicasro & West Indiana Railroad bonds, 

Centi-al Pacific Railroad bonds. 

Central New Jersey RaUroad bonds. 
Eastern Railroad bonds, . 
East Mid<llesex Street Railroad bonds, 
Hoasatonic Railroad bonds, 
Jackson, Lansing & Saginaw Railroad bonds, 
Kansas City, St Jo. & C. B. Railroad bonds, 
Kansas City, Ft. S. & Memphis R.R. bonds, 
Lehigh Valley Railroad bonds, 
l^'ew York & New England Railroad bonds, 
Kew Haven & Derby Railroad bonds, 
Xorthwestem Union Railroad bonds, 
Penobscot S Line Railroad bonds, . 
Terre llaute & Southeastern R.R. bonds, 
rnion Pacific Railroad bonds, . 
Consolidated Vermont Railroad bonds, . 
Boston Building Co., Denver, Col., bonds. 
Col. M. S. Exchange, Denver, Col., bonds, 
Delaware & Hudson Canal Company bonds, 
Keokuk Water Company bonds. 
Western Union Telegraph Company bonds, 
31 shares Old Colony Railroad, 
60 "^ Portland, Portsmouth & Saco R.R., 
65 »• N. Y,, New Haven & Hart. R.R., 
100 " PitU., F. Waj-ne & Chic. R.R., 
40 ** National Exchange Bank, Salem, 



Par Valae. 
17,000 00 

12.000 00 

6,000 00 

11,000 00 

3,000 00 

6,000 00 

10,000 00 

24,600 00 

4,000 00 

6,000 00 

25,000 00 

14,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

6,000 00 

6.000 00 

8,000 00 

8,000 00 

7,000 00 

10.000 00 

10,000 00 

10,000 00 

6,000 00 

6,000 00 

8,000 00 

6,000 00 

15,000 00 

20,000 00 

8.000 00 

10,000 00 

6,000 00 

28,000 00 

2,000 00 

10,000 00 

10,000 00 

6,000 00 

10,000 00 

6,000 00 

8,100 00 

6,000 00 

6,500 00 

10,000 00 

4,000 00 



Market Valoa. 
$7,000 00 

12,320 00 

6,337 60 

11,116 00 

3,000 '00 

6,626 00 

10,760 00 

24,746 00 

4,046 00 

6,212 60 

26,875 00 

9,260 00 

10,100 00 

10,700 00 

9,800 00 

10,300 00 

11,700 00 

10,400 00 

10,200 00 

6,600 00 

6,050 00 

9,280 00 

8,090 00 

8,260 00 

11.800 00 

10,100 00 

12,000 00 

6.180 00 

6,000 00 

6,800 00 

6,900 00 

17,370 00 

22,000 00 

10,800 00 

10,800 00 

6,400 00 

26,730 00 

1,100 00 

10,200 00 

10,000 00 

7,050 00 

10,200 00 

5,250 00 

6,487 00 

7,160 00 

9,790 00 

16,200 00 

3,600 00 



HOLTOKB MUTUAL FIRE IKSURAKCE CO. 



Bhares First Nnlional Bank, Salem, , 

" McrchaniB' National Bank, Salem, 
6 " Mercantile Natinoal Bank, Salem, 

1 '• Naumkeag National Bank, Salera, 
" SaJem National Bank, Salem, 
" Atlantic National Bank, Boston, 

" Blackstone National Bank, Boston, 

1 " Continental National Bank, Botjlon, 
'■ Freeman's Na^onal Bank, Boston, 
" Globe National Bank. Boston, 
** Merchants' NRtional Dank, Boston, 
" Bepublic National Bank, Boston, 
" Bevero Nalional Bank, Boston, 
" Second Natlonnl Bank, Boston, 
" Shoe & Leather Nat'l Bank, Boston, 
" Beverly National Bank, Beverly, 
" So. Danvera Nat'l Bank, Peabotly, 
S " First National Bank. NeTvbarj-port, 



fl,000 00 


f M)0 00 


600 00 


660 00 


8,500 00 


3.696 25 


4,100 00 


6,207 00 


14.000 00 


16,100 00 


3,000 00 


3,a40 00 


1, 1,000 00 


870 00 


8.100 00 


8,100 00 


ft.000 00 


4,360 00 


3.000 00 


2,620 00 


10.000 00 


15.300 00 


6,000 00 


6.900 00 


3,000 00 


2,400 00 


10,000 00 


17,700 00 


4.000 00 


3,600 00 


1,000 00 


1,420 00 


2,000 00 


2,406 00 


t. 1,200 00 


1,636 00 



•691,600 00 1687,626 25 



SuvHART OF Assets Dec. 31, 1896. 

Cash valae of unencumbered real estate. 156,100 00 

Loansonmortsrageof reRlestate(firstlien3*), 99,600 00 

Interest due or accrued thereon, . , , 6,835 68 

Stocks, bonds, etc., as per schedule, . . 687,626 25 

Cash in the ofSce of the company, . . . 3,364 08 

Cash deposited in bank 4,781 26 

Interestdue and accrued, 9,478 49 

Premiums in course of collection (gross), , 891 48 

Rents due and ac>:rued 15 00 

Gross ssseU ♦867, 

Liabilities. 

Losses claimed and reported, .... |2,300 00 

Losses disputed or resisted 186 00 

Unearned premiums on outstanding risks, . 308,360 07 

Return premiums on cancelled policies, . . 606 91 

Prolitsor surplus on terminated policies, unpaid, 1,749 70 

Commissions and brokerage, .... 129 73 

Gross liabilities 313 

Net cash asset 1654 

■ Viloa ol Uuda ai(>nn>«li MSiMM OC 

VmlDaotbolldlncilhenoD Ut.SOO 01 

AmoDatof Inaunnralwlitucolliuntl M.1M M 



HOLTOKE MUTUAL FIRE INSURANCE CO. 



51 



Income. 



Premiums ontstaoding Dec. 31, 1895, 
Same not collected, .... 



Net collected, 

Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected, 
IjCss reinsurance and return premiums, . 
Net cash premiums received, . 
Received for extra premiums, . 
Interest received on mortgages. 



$4,728 36 
95 00 

14,633 36 
165,896 33 

$170,529 69 
891 48 

$169,638 21 
7,488 50 



loterest and dividends received from all other sources, 
Income from rents, 



Gross cash income, ...... 

Expenditures. 

Cash paid for losses, 

as profits on terminated policies, . 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for dividend to guaranty capital, . 

for incidentals, .... 



$162,154 71 

1,899 59 

4,562 80 

32,494 85 

1.682 78 



. $202,794 73 



$54,888 30 

80,472 21 

25,535 33 

16,654 60 

2,228 06 

7,000 00 

5,578 35 



Gross cash expenditures, $192,356 85 

Risks and Premiums. 

Amoant. Oath Prem'f . Gonting't Prem*t. 

Risks outstanding Dec. 31, 1895, $41,487,508 00 $607,414 43 $607,414 43 

RUkswntten during 1896, . 11,217,555 00 165,896 33 165,896 33 



Total, .... $52,705,063 00 $773,310 76 $773,310 76 
Risks terminated during 1896, 10,396,201 00 160,706 25 150,706 25 



In force at end of year, . . $42,308,862 00 $622,604 51 $622,604 51 
Deduct amount reinsured, . 57,695 00 454 35 454 35 



Net amount in force, . $42,251,167 00 $622,150 16 $622,150 16 



Miscellaneous. 

LosBCi incurred during the year, $55,801 00 

Profits or surplus returned during 1896, 25, 50 and 70 per cent. 



52 HOME OUARAKTT UUTDAL FtRE INSURANCE CO. 

HOME GUARANTY MUTUAL FIRE INSURANCE COMPANY 
OF LOWELL. 

[lB«orpontfd Out. S, IMt. CamnifaBed bnatiwM JiD. 1, ISM.] 
FREDERICK LAWTON. Pnildtnl. WILLIB P. BUKBANK, Bttrttaiy. 

Amount of guaranty capital, f50,000 00 

SCHKABT OF A89ETa DEC. 31, 1696. 

Loans on mortgage of real estate (first liens *), $27,4S5 GO 

Interest due or accraed thereon, . . . 193 60 

Cash in the office of the company, . , . 414 86 

Cash deposited in bank S6,319 98 

Interest due and accrued, .... 331 19 

Premiums in couraa of collection (gross), . 6,169 44 

Gross assets, 160376 87 

LlABILITIEa. 

Unearned premiums on outstanding risks, , f8,14S 61 

Commissions and brokerage, .... 723 91 

Gross liabilities 8,866 52 

Net cash asseU f52,010 95 

Ikcokb. 
Premiums on risks written, .... 119^566 39 
Premiums now in course of collection, . . 6,1S9 41 

Entire premiums collected flS,396 95 

Less reinsurance and return premiums, . . 249 29 

Net cash premiums received f 13,147 66 

Interest received on mortgnges, 611 94 

Interest and dividends received from all other sources, . . 1,683 16 

Gross cash income (15,242 76 

ExFENDrruBES. 

Cash paid for losses, 14376 19 

for commissions and brokerage, .... 2,099 24 

for salaries of officers and employees, . . . 2,000 00 

for State and local t&xes, ..... 800 00 

for rents 200 00 

for Incidentala, 1,677 68 

Gross cash expenditures (11,063 01 

• Tiloe ar luidi iDonfiiKl, tMildO M 

Tilae of bnlldlBfi ihanon SUOO 00 

Amount of tiiianDciilMldiiBDiUlanI S«,BOa OS 



INDUSTRIAL MUTUAIi INSURANCE CO. 



53 



Risks and Premiums. 

Amount. 

Risks written daring 1896, . $1,484,964 00 
Risks terminated daring'1896, . 386,993 00 



Cash Prem*8. Gontlng't Prem'i. 

$19,556 39 $19,556 89 
5,736 08 5,736 08 



In force at end of year, . 
Deduct amount reinsured. 



. $1,047,971 00 
21,050 00 



Miscellaneous. 
Losses incurred during the year, 



$13,820 31 $13,820 81 
249 29 249 29 



Net amount in force, . .$1,026,92100 $13,57102 $13,57102 



$4,376 00 



INDUSTRIAL MUTUAL INSURANCE COMPANY, BOSTON. 

[loeorportted April 17, 1890. OommeDe«d bnalneas Jane 1, 1800.] 
B. F. TAFT, JPteHtUtU. BENJAMIN TAFT, Secretaty. 

Office, 31 MUk Street. 



Detailed Statement of Stocks, 



West End Street R.R. bonds, 
Fitchbnrg R.R. bonds, 
Lynn & Boston R.R. bonds, 
Maine Central R.R. bonds. 
Conn. River R.R. scrip, . 
Cheshire R R. bonds, 
100 shares United States Rubber Co 
Corporation notes, . 



Bonds, eto. 

Par Value. 

$25,000 00 

15,000 00 

5,000 00 

16,000 00 

5,000 00 

500 00 

10,000 00 

42,500 00 



Market Valne. 

$26,000 00 

15,225 00 

5,000 00 

16,150 00 

5,000 00 

611 25 

7,600 00 

42,500 00 



$118,000 00 $116,986 25 



SUMKART OF ASSETS DeC. 31, 1896. 



Stocks, bonds, etc., as per schedule. 
Cash in the ofice of the company, . 
Cash deposited in bank, .... 
Interest dne and accrued. 
Premiums in course of collection (gross). 
Rents due and accrued, .... 
Gross assets, 



$116,986 25 

678 40 

39,999 73 

2,498 30 

1,755 02 

800 00 



$162,712 70 



Liabilities. 

Unearned premiums on outstanding risks, 

State and local taxes, .... 

Gross liabilities, .... 



$81,707 48 
327 41 



Net cash assets. 



82,034 89 
$80,677 81 



LOWELL MDTUAL FIRE INfiURAK'CE CO. 



Income . 
Freminms outstanding Dec. SI, 1895, . |5,6t5 61 

Premiums on risks wrilten or renewed, . . 168,557 15 

T.ilal fl89,172 76 

Preniiun)3 now in course of collection, . . 1,756 03 

Net cash premiums received, .... |I87,4I7 74 

Interest and dividends received from all sonrces, . . . 7,S40 13 

Gross cosh idcodic, ........ 1194,757 87 

Expenditures. 

Cash paid for losses f36,731 10 

Hs profits on terminated policies 125,744 10 

for inspections 2,965 81 

for siiLaries of officers and employpps, . . . 6^2 86 

for State and loc.il taxes 1,798 74 

for joint office expenses, 7,710 65 

for iocideotitls, ....... 767 42 

Gross cash expenditures 9171,210 68 

Risks ami> Premichs. 

Amomit. CHh Pnm't. Contlrf-i Prna't. 

RisksoulstandingDecSI. 1895,(17,289,870 00 1174,860 26 (874,301 30 

Risks written during 1896, . 20,692,435 00 183^7 15 917,785 75 

Total (37,882,305 00 |358,4I7 41 (1,792.087 05 

Risks terminated during 1896, . 19,46^,514 00 195,002 46 975.012 30 

In force at end of year, . . (18,418,791 00 (168,414 95 (817.074 75 

MlSCEIXANKOCS. 

Losses incurred during the year, (25,030 00 

Profits or surplus returned during 1896, 70 per cent. 



LOWELL MUTUAL FIRE INSURANCE COMPANY, LOWELL. 

[[ncorpomed M*rcb S, isu. CooiraeDcad bnilDMa April, IBU.] 
JAMES 0. ABBOTT, Prttident. JOSEPH PEABODT, BecnUtry. 



Amount of permanent fund Dec. 31, 1896, 
Increase during the year, .... 



Permanent fund Dec. 31, 1896, . 



LOWELL MUTUAL FIRE INSURANCE CO. 



65 



Detailed Statement of Stocks, 



Boston & Lowell Railroad bonds, . 
Lowell & Lawrence Railroad bonds, 
Fitchbnrg Railroad bonds, 
Consolidated Railroad of Vermont bonds, 

Boston citj bond, 

Maine Central Railroad bonds, 
30 shares Lowell Bleachery, . 

2 
10 

2 
10 
50 

5 
12 
dO 
30 

6 

80 
20 
20 
40 



u 



u 



(I 



u 



II 



tt 



u 



u 



Pacific Mills, . 

I^wnmce Manufacturing Company, 
Hamilton Manufacturing Company, 
Lowell Manufacturing Company, . 
Massachusetts Cotton Mills, . 
Appleton Company, .... 
Merrimack Manufacturing Company, 
Franklin Manufacturing Company, 
Hill Manufacturing Company, 
Vermont & Massachusetts Railroad, 
Boston & Maine Railroad, 
Boston & Lowell Railroad, 
First National Bank, Lowell, . 
Lowell & Andover Railroad, . 



Bonds, etc. 




Par Yalae. 


Mtrkat Valne. 


$12,000 00 


$12,210 00 


4,000 00 


4,050 00 


10,000 00 


10,180 00 


1,000 00 


655 00 


2,000 00 


2,260 00 


6,000 00 


6,120 00 


8,000 00 


8,150 00 


2,000 00 


3,780 00 


1,000 00 


1,207 60 


2,000 00 


1,880 00 


6,900 00 


6,600 00 


6,000 00 


6,200 00 


6,000 00 


2,512 50 


12,000 00 


18,890 00 


6,000 00 


6,212 60 


8,000 00 


1,882 50 


600 00 


912 00 


8,000 00 


4,860 00 


2,000 00 


4,100 00 


2,000 00 


8,440 00 


4,000 00 


8,160 00 



$91,500 00 $101,162 00 



Summary of Assets Deo. 81, 1896. 

Loans on mortgage of real estate (first liens *) , $8,750 00 
Interest due or accrued thereon. 
Stocks, bonds, etc , as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued. 
Premiums in course of collection (gross), 
Prem^s more than three mos. due, . $59 18 
Gross assets, 



154 04 

101,162 00 

1,465 28 

16,112 40 

1,059 00 

8,285 98 



$181,988 70 



Liabilities. 

Losses adjusted, unpaid, . . ■ . . $2,692 04 

Unearned premiums on outstanding risks, . 62,128 10 

ficturn premiums on cancelled policies, . . 847 80 

Commissions and brokerage, .... 462 64 

Gross liabilities, 66,125 68 

— ^^^-^"^ ■^— ^^ 

Net cash assets, $76,868 12 

• Vmlae of lands mortf aged, $9,600 00 

Value of bolldlngf thereon, ..••... 10,500 00 
Amount of iaeanmoe held a» eollateral, .... 8,000 00 



LOWELL MUTUAL FIBE IKSUBANCE CO. 



Incohe. 
Premiums oatstanding Dec. 81, 1895, . . 13,401 82 

Same not collected 4S9 85 

N«t collected 13,971 97 

Premmnis on riaka written or renewed, . . 39,348 10 

Total 142,320 07 

Premiums now in course of collection, . . 3,285 98 

Entire premiums collected, .... |39,034 09 
Less leinsuranoe and return premiums, . . 1,532 16 

Net cash premiums received, .... f 37 ,501 93 

Received for extra premiums, 389 15 

Interest received on mortgages . 470 00 

Interest and dividends received from all otber sources, . . 4,040 00 

Income from agency department, 1,625 45 

Gross cash income, $43,926 53 

EXFENI>ITtIRE3. 

Cash paid for losses, f 10,693 16 

Deduct salvage and reinsurance, . . . 175 56 

Net cash paid for losses 910,416 60 

Cash pud as profits on terminated policies, .... 12,651 34 

for commissions and brokerage 4,719 90 

for salaries of officers and employees, . . . 4,454 25 

for State and local taxe 488 37 

for rents 500 00 

for incidentals, 2,068 34 

Gross cash expendilores |35,398 70 



Rises and Frehiciis. 

Amonnt. Ctib Pnoi'i. OonUngt Pnn'i. 

RisksontstandingDec.31,1895, |6,457,326 00 189,164 75 989,164 75 
Risks written during 1896, 

Total, 
Risks terminated during 1896, 



#7319,267 00 
1,936^38 00 



In force at end of year, . . $5,882,4 
Deduct amount reinsured, . 56,! 

Net amount in force, . . $5,825,479 00 $98,017 48 $98,017 48 



39,348 10 


39348 10 


$128,512 85 
29,799 81 


1128,512 85 
29,799 81 


198,713 04 
695 56 


$98,713 04 
695 56 



MtSCRLLAMBODS. 

Losses incurred during the year $9,576 00 

Profits or surplus returned during 1896, 35, S3), 50 and 70 per cent. 



LUMBER MUTUAL FIRE INSURANCE CO. 57 

LUMBER MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[loeorporated Feb. 13, 1895. CommeDoed bnslDeM March 28, 1805.] 
W. C. JOHNSON, Piresident. N. M. JEWBTT, Secretary. 

Office, 63 SlaU Street 

Summary of Assets Deo. 31, 1896. 

Cash in the office of the company, . . . f 602 82 

Cash deposited in bank, 17,858 83 

Premianis in coarse of collection (gross), . 2,844 96 

Rents due and accmed, ..... 31 25 

Inspections, 5 00 

Prem's more than three mos. due, . f 68 75 

Gross assets, $21342 86 

Liabilities. 

Unearned premiums on outstanding risks, . $16,621 17 

Gross liabilities, 16,621 17 

Net cash assets, $4,721 19 

Income. 

Premiums outetanding Dec. 81, 1895, . . $3,016 11 
Same not collected, 89 94 

Net collected, $2,926 17 

Premiums on risks written or renewed, . . 38,309 54 

Total, $41,236 71 

Premiums now in course of collection, . . 2,913 71 

Entire premiums collected, .... $38,322 00 

Less reinsurance and return premiums, . . 5,679 00 

Net cash premiums received, .... $32,643 00 

Received from interest and all other sources, . . . 667 81 

Gross cash income, $33,310 81 

Expenditures. 

Cash paid for losses, $21,630 03 

Deduct salvage and reinsurance, . . . 2,500 00 

Net cash paid for losses, $19,130 03 

Cash paid as profits on terminated policies, .... 2,166 87 

for salaries of officers and employees, . . . 4,829 15 

for State and local taxes, 374 74 

for rent and incidentals, . . , . . . 1,474 07 

for inspections, . 2,264 05 

Gross cash expenditures, ....... $30,238 91 



LTNK UCTDAL FIHE INSURAKCE CO. 



Risks akd Pbehidhs. 



Risks oatsUnding Dec. 31, 189&, |I^88,244 00 
Risks written during 1896, . 1,776,437 00 

Total 

Risks terminated during 1896, . 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, . 



. 13,061,681 00 
, 1,467,315 00 

, 11,597,366 00 
41,050 00 



127,175 36 ■ 
38,309 54 



(81,526 05 
114,928 63 



133,833 87 #101,501 61 
590 33 1,770 99 



. #1,556,316 00 #33,343 54 #99,730 6S 



Miscellaneous, 



lMas«8 incurred during the year, .... 
Profits or surplus returned during 1896, 10 per cent. 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN. 

[Inoorponud Fab. 10, IBIS. Oiimm«n«d biulnaH Ad|. 1, lazt.] 
BDPUS KtUBALL, Prttldnl. ISRABL AUOtJdTOS RBWHALL, SKrtlary. 

Amount of permanent fund, #56,910 38 



Detailed Siatehcnt of Stocks, Bonds, i 



40 shares First Notional Bank, J>jDn, 
20 " National City Bank, Lynn, 
5 " Central National Bank, Lynn, . 
10 " Klerchanta' National Bank, Boston, 
16 » West Nevrton National Bank, . 
Chicago, Milwaukee & St. Paul R R. bonds. 
Southern Pacific Railroad bonds, 
Atlantic & Pacific Railroad bonds, . 
Mexican Central Railroad bonds, 

Toledo city bonds 

Lynn & Boston Railroad bonds, 

Chicago & Great Western Railroad bonds, 

Ohio & West Virginia Railroad bonds, . 

Ogdensbiirg & Lake Champlain RR. bonds. 

East Middlesex Railroad bonds. 

Equitable Mortgage Company bonds, 

Atchison, Topeka & Santa F6 Railroad bonds. 

City of Sioux City bond 

Boston, Revere Beatrh & Lynn Railroad bonds, 
Atchison, Topeka & Santa FS Railroad stock, 



Pu Vdn*. 

#4,000 00 
2,000 00 

500 00 
1,000 00 
1,500 00 
1,000 00 

600 00 
1,000 00 
1,000 00 
1,000 00 
3,000 00 
2,000 00 
1,000 00 
2,000 00 
2,000 00 
1,000 00 
3,450 00 

600 00 
2,000 00 
4,760 00 



M>rk« Vila*. 
#6,000 00 

3,700 00 

800 00 

1^76 00 

1,890 00 

1.160 00 

676 00 

400 00 

670 00 

1,040 00 

3,160 00 

2,000 00 

1J70 00 

1,800 00 

2,000 00 

800 00 

2,290 50 

620 00 

2,020 00 

1.062 00 



#35,200 00 (34,621 50 



LTNN MUTUAL FIBE INSURANCE CO. 



59 



SCMMABY OF ASSETS DeO. 81, 1896. 

6ash valae of anencumbered real estate, . f 1,648 99 

LfOans on mortgage of real estate (first liens *), 20,949 00 

Interest due or accrued thereon, . . . 685 63 

Stocks, bonds, etc., as per schedule, . . 34,622 50 

All other cash loans, ..... 3,596 20 

Cash In the office of the company, . . . 108 77 

Cash deposited in bank, 58 42 

Interest due and accrued, . • . . 665 29 

Premiums in coui-se of collection (gross), . 42 48 

Rents due and accrued, * 126 00 

Prem^s more ttian three mos. due, . $14 00 

Gross assets, 162,503 23 

LlABIUTIES. 

Losses claimed and reported, .... $79 33 

Unearned premiums on outstanding risks, . 14,182 45 

Profits or surpl us on terminated policies, unpaid, 362 50 

Gross liabilities, 14,624 28 

Net cash assets, (47,878 95 

Income. 
Premiams outstanding Dec. 31, 1895, . . $70 25 

Same not collected, 14 00 

Net collected, $56 25 

Premiams on risks written or renewed, . . 5,962 14 

Total, $6,018 39 

Premiums now in course of collection, . . 42 43 

Entire premiums collected, .... $5,975 96 
Less reinsurance and return premiums, . . 338 68 

Net cash premiums received, .... $5,637 28 

Received for extra premiums, 75 80 

Interest received on mortgages, 1,172 87 

Interest and dividends received from all other sources, . . 1,579 23 

Gross cash income, $8,465 18 

Expenditures. 

Cash paid for losses, $1,145 56 

as profits on terminated policies, . . . . 5,215 40 

for salaries of officers and employees, . . . 2,200 00 

for State and local taxes, 53 80 

for rents, 288 00 

for Incidentals, 458 58 

Gross cash expenditures, $9,361 34 

• Value of iMul* mortgmged, . $21,850 00 

Viilae of batldlngi Uieraoo, 29,000 00 

Amoant of inra ranee held aa collateral, .... 28,000 00 



60 merchants' and fabheks' mutual fire insurance CO. 



Risks and Premiums. 

Amoant. 

Risks outstanding Dec. 31, 1895, 12,025,350 00 
Risks written daring 1896, . 429,472 00 

Total 12,464,822 00 

Risks terminated during 1896, . 411,027 00 



Cash Prem't. Contin^'t Prem*s. 

$26,637 80 $53,275 60 
5,962 14 11,924 28 



In force at end of year, 



Miscellaneous. 

Losses incurred during the year, .... 
Profits or surplus returned during 1896, 100 per cent. 



$32,599 94 $65,199 88 
5,572 02 11,144 04 



. $2,043,795 00 $27,027 92 $54/)55 84 



$1,203 00 



MERCHANTS' AND FARMERS' MUTUAL FIRE INSURANCE 

COMPANY, WORCESTER. 

[Incorporated April 1, 1846. Commenced barineM Jan. 1, 1847.] 
JOHN D. WASHBURN, JY€*ident. ELIJAH B. STODDARD, Secretary, 

Amount of permanent fund, . $121,574 43 

Detailed Statement of Stocks, Bonds, etc. 



105 shares Atch., Topeka & Santa Fe R.R., 



ct 



u 



•4 



«« 



U 



U 



•t 



U 



(« 



C( 



41 



it 



Union Pacific Railroad, . 
Wachusett National Bank, 
Westminster National Bank, 
Central National Bank, . 
Mechanics^ National Bank, 
Quinsigamond National Bank, 
Wor., Nashua & Rochester R R., 
Chicago & Alton Railroad, 
Chicago, Burlington & Quincy R.R 
Boston & Albany Railroad, . 
Providence & Worcester Railroad 
Norwich & Worcester Railroad, 
Boston & Maine Railroad, 
Providence & Worcester Railroad bonds, 
Lawrence city bonds, .... 
Eastern Railroad of Minnesota bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Atchison, Topeka & Santa F6 R.R. bonds, 
City of Grand Haven, Mich., bonds. 
Corporation notes, ..... 



50 
25 
20 
20 
13 
25 
29 
56 
25 
61 
84 
25 
10 



Par Value. 


Market Valn«. 


$10,500 00 


$1,875 00 


5,000 00 


450 00 


2,500 00 


5,000 00 


2,000 00 


2,000 00 


2.000 00 


2,900 00 


1,300 00 


1,300 00 


2,500 00 


3,625 00 


2,900 00 


. 3,277 00 


6,600 00 


8,960 00 


2,500 00 


1,750 00 


6,100 00 


12,810 00 


3,400 00 


8,500 00 


2,500 00 


5,000 00 


1,000 00 


1,620 00 


25,000 00 


25,000 00 


10,000 00 


11,500 00 


5,000 00 


5,250 00 


500 00 


500 00 


10,500 00 


7,105. 00 


10,000 00 


10,000 00 


750 00 


750 00 



$111,550 00 $119,172 00 



merchants' and farmers' mutual fire insurance go. 61 



Summary of Assets Dec. 81, 1896. 

Cash Talne of unencambered real estate, . ISS^OO 00 

Loans on mortgage of real estate (first liens *) , 62,250 00 

Interest dne or aecnied thereon, . . . 10,906 05 

Stocks, bonds, etc., as per schedule, . . 119,172 00 

Personal loan 418 43 

Cash deposited in bank, 7,859 58 

Interest due and accrued, 1,400 00 

Premiums in course of collection (gross), . 10,017 82 
Prem^s more than three mos. due, 12,666 51 

Gross assets, f 245,818 88 



Liabilities. 

Losses adjusted, unpaid, t2,9S0 76 

Unearned premiums on outstanding risks, . 167,082 20 

Profits or surplus on terminated policies, unpaid, 4,500 00 

Commissions and brokei-age, .... 1,866 SO 

Gross liabilities, 176,879 26 

« 

Net cash assets, ........ |68,939 62 



Income. 

Premiums outstanding Dec. 81, 1895, . . |10,S90 92 
Same not collected, 2,814 80 

Net collected, $8,076 12 

Premiums on risks written or renewed, . . 114,243 81 

Total 1122,319 43 

Premiums now in course of collection, . . 12,684 33 

Entire premiums collected, .... $109,63510 
Less reinsurance and return premiums, . . 4,158 91 

Net cash premiums received, .... $105,476 19 

ReceiTed for extra premiums, 880 79 

Interest received on mortgages, ...... 1,435 03 

Interest and dividends received from all sources, . . . 5,777 01 

Income from rents, 1,123 26 

Gross cash income, $114,692 28 

* Value of lands mortgaged, $71,500 00 

Value of balldlogi tiiereon, ....... 9S,000 00 

AmoQDt of iDawanoe held aa ooUateral, ..... 61,850 00 



UERRIUACK MUTUAL FIBB IKSURAXCE CX). 



Casb paid for losses, 
as profits < 



ExPEKDtTORBS. 



terminated policies, . 
id brohenige, . 
for salaries o( offieers and employee 
for State aod local taxes, 
for incidentals, .... 



(43.414 95 
47,295 15 
16,A57 70 
7,503 34 
2,003 62 
4,68S 27 



Gross cash expenditures, . 

Risks and Prehidiu. 

AniMiiL CMh PiwD'a. ContlartPr 

BisksoutstaiidingDec.31,1895, f32,926,784 00 (318,763 71 (343,763 71 
Risks wriUen during 1806, . 7,4&8, 



Total (80,415,590 00 

KskB terminated during 1896, . 7,886,317 00 
In force at eod of yei 



114,243 31 114,:!43 31 

(467,007 02 (457,007 02 
115,977 55 115,977 55 



.(22,529,273 00 (341,029 47 (341,029 47 

HtSCF.LUKBOCS. 

Losses incurred during the year, ...... (42,17000 

Profits or surplus returned during 1896, 20, 40 and 60 per cent 



MERRIMACK MUTUAL FIRE INSURANCE CO.UPANY, ANDOVER. 

[iDCorponUd Fab. T, Hit. Ca<na*D«Bd lra>ln«* April S, KM.] 
WU. S. JENKINS, PreHdmt. JOSEPH A. BUART, Sterttary. 

Amount of permanent fund (150,206 00 



Detailed Siatehent or Stocks, Bonds, i 



Cincinnati city bonds 

Fall River city bonds 

Lynn city bonds 

United States bonds 

Cambridge Horse Railroad bond, . 
Stctrapolitan Horse Railroad bonds, 
Boston St Maine Railroad bonds. 
Old Colony Railrond bonds, 
Chicago, Burlington & Quincy R R. bonds, 
Chicago & Northwestern Railroad boadi, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Lynn A Boston Horse Railroad bouds, . 
Salem (Ohio) Water Company bonds, , 
Helena (Montana) Water Company bonds, 
Chicago. Wisconsin & Minn. RR. bonds. 



(16,000 00 
10,000 00 
5,000 00 
36,000 00 
13,000 CO 
10,000 00 
2,000 00 
10.000 00 
10,000 00 
5,000 00 
6,000 00 
6,000 00 
6,000 00 
6,000 00 
6,000 00 



(19,085 00 
10,250 00 
5,475 00 
26.B64 00 
13,520 00 
10,400 Ifl 
2,060 00 
10,100 00 
10,600 00 
5,450 DO 
5,600 00 
6,000 00 
4,740 00 
4,000 00 
6.000 00 



MERRIMACK MUTUAL FIRE INSURANCE CO. 



63 



North em Pacific & Montana Railroad bonds, 

Chicago, Peoria Ss St. Loais Railroad bonds, 

50 shares Boston Investment Company, 

Cleveland Cable bonds, . 

Andover Electric Company bonds, 

Anduver water bonds, 

Danyers water bonds, 

Seattle dty bonds, . 

15 shares Lawrence National Bank, 

10 ** Andover National Bank, , 



Par Value. 

110,000 00 
6,000 00 
6,000 00 
8,000 00 
6,600 00 
12,000 00 
10,000 00 
6,000 00 
1«600 00 
1,000 00 



Market Valne. 
f4,100 00 

8,600 00 

600 00 

8,000 00 

6,060 00 

12,720 00 

10,660 00 

4,900 00 

1,800 00 

980 00 



•197,000 00 1192,314 00 



Summary of Assets Deo. 31 
Cash value of anencumbered real estate, 
I»ans on mortgage of real estate (first liens *), 
Interest due or accrued thereon. 
Stocks, t>onds, etc., as per schedule, 
Cash in the oflScc of the company, . 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross). 
Gross assets, 



, 1896. 

♦8,000 00 

83,666 00 

1,404 61 

192,844 00 

1,626 39 

6,298 10 

3,661 66 

11,607 01 



•308,496 67 



Liabilities. 

Losses adjusted, unpaid, 

Losses claimed and reported, .... 
Unearned premiums on outstanding risks, 
Krofits or surplus on terminated policies, unpaid. 
Commissions and brokerage, .... 
Gross liabilities, 



•6,686 39 

1,600 00 

229,031 40 

4,686 66 

1,786 92 



243,688 36 



Net cash assets, •64,808 21 



Income. 



Premiums outstanding Dec. 31, 1896, 
Same not collected, .... 



Net collected, .... 
Premiums on risks written or renewed. 



Total 

Premiums now in coarse of collection. 



Entire premiums collected. 

Less reinsurance and return premiums. 

Net cash premiums received, . 



•12,100 93 
603 07 

•11,497 86 
122,983 70 

•134,481 66 
11,607 01 

•122,974 66 
3,832 23 



•119,142 32 



* Total vmlao of property mortgaged, • 
Amount of loanraDoe held aa collateral. 



•171,960 00 
102,070 00 



MIDDLESEX MDTDAL TIRE INSDRANCB CO. 







11.422 89 


Interest and dividends received from all other so 


nrces, . 


11,830 00 




$134,215 60 


EXPBNDITDRBS. 

Cash paid for losses 

as profits oa terminated policies, , 
for commissions and brokemge, . 
for salaries of officera and emplojees, 
for State and local taxes. 




t3l,778 86 
£4,874 64 
18,190 3A 
6,666 00 
1.137 37 


Gross cash eipeoditures 

8lSKa AND PREHICUS 

Bisks written during 1896, . 7,802,042 00 


Cuh Pma-i. 

•466,658 34 
122,983 70 


$116,950 51 

CwHnf 1 Pnni-i. 

$465,658 34 
122,983 70 



Total, $37,686,850 00 $588,642 04 

Risks teriuinated daring 1896, . 7,472,174 00 116,629 51 



In force at end of year. 



. $30,114,676 00 $473,012 63 $473,018 53 



MiSCELLANEOUa. 

Losses incurred during the year, 

Proflls or surplus returned during 1896, 20, 40 and 60 per cent. 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, CONCORD. 

[loDorpDnled Uarcb S, 1B1B. CommaDc«l bnslDeu Umrch 38, ISm] 
BICBARD F. BARRETT, PreUdtnt. WILLIAH BARtESTT, Bttrtiart. 

Amount of permanent fund, $327,532 81 

Detailed Statement of Stocks, Bonds, etc. 



83 shares Blackstone National Bank, Boston, 

15 " Merchants' National Bank, Boston, 

Webster National BanU, Boston, 

Boston National Bank, Boston, 

Eliot Nnlional Bank, Boston, . 

Howard National Bank, Boston, 

Kevere National Bank, Boston, 



113 



Shawmul Kuliunal Bank, Boston. 



FuValH. 


UutttTUng. 


$3,300 00 


$2,862 75 


I/iOO 00 


2,295 00 


2,600 00 


2,609 76 


6,300 00 


4,690 60 


3,600 00 


8,050 00 


6,400 00 


4,726 00 


3,000 00 


2,407 60 


11,300 00 


12,712 60 



MIDDLESEX MUTUAL FIRE INSURANCE CO. 



65 



20 shares Fanenil Hall Nat^l Bank, Boston, 



44 
10 
SO 
18 
10 
3 
SO 
33 
67 



M 



U 



M 



100 

50 
216 
263ft 
120 

50 



s «« 



U 



M 



No. American Nat'l Bank, Boston, 
Central National Bank, Boston, 
Hancock National Bank, Boston, 
State National Bank, Boston, . 
Market National Bank, Boston, 
Suffolk National Bank, Boston, 
Commercial Nat'l Bank, Boston, 
Concord National Bank, Concord, 
Boston & Albany Railroad, • 
Cleveland & Canton Railroad, 
Fitchburg Railroad, 
Philadelphia, Wil. & Bait. R.R., 
Chicago, Burl. & Quincy Railroad 
Atchison, Topeka & Santa F^ R.R., 
Pullman Palace Car Co., 
Massachusetts Real Estate Co., 

Eastern Railroad bonds, .... 

Burlington & Missouri Railroad bonds, . 

Chicago, Burlington & Quincy R.R. bonds, 

Portland & Ogdensbnrg R.R. bonds, 

Akron & Chicago June. Railroad bonds, . 

Chicago, Burlington & Northern R.R. bonds, 

Atchison, Topeka & Santa F6 Railroad bonds 

Fitchburg Railroad bonds, 

Cincinnati, Ham. & Dayton Railroad bonds, 

Concord & Montreal Railroad bonds. 

Conn. & Passumpsic Rivers R.R. bonds, 

Cleveland, L. & Wheeling R.R bonds, 

Old Colony R.R. bonds, . 

Boston & Lowell R.R. bonds, . 

Boston & Albany R.R. bonds, . 

Penobscot Shore Line R.R. bonds, . 

East Middlesex Street Railway bonds. 

Globe Street Railway bonds, . 

Illiijois Steel Company bonds, 

United States bonds, 

Bath city bonds, 

Toledo city bonds, . 

Cambridge city bonds, 

Omaha city bonds, . 

Concord water bonds. 



Par Yalae. 

12,000 00 

4,400 00 

1,000 00 

8,000 00 

1,800 00 

1,000 00 

300 00 

8,000 00 

3,300 00 

6,700 00 

8,862 00 

10,000 00 

2,500 00 

21,600 00 

26,890 00 

12,000 00 

5,000 00 

6,000 00 

7.000 00 

14,000 00 

20,000 00 

10,000 00 

2,000 00 

8,450 00 

20,000 00 

10,000 00 

25,000 00 

15,000 00 

10,000 00 

1,000 00 

15.000 00 

8,000 00 

6,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

8,000 00 

10,000 00 

20,000 00 

5,000 00 

4,500 00 



Market Value. 

12,657 50 

4,268 00 

1,150 00 

2,100 00 

1,953 00 

750 00 

324 00 

2,400 00 

5,280 00 

12,027 00 

154 91 

9,800 00 

8,000 00 

15,201 00 

4,041 15 

18,960 00 

1,000 00 

7,125 00 

6,860 00 

14,480 00 

20.750 00 

10,550 00 

2,070 00 

2,286 75 

20,050 00 

10,600 00 

25,875 00 

15,525 00 

10,500 00 

1,045 00 

15,760 00 

8,400 00 

5,118 76 

10,050 00 

10,000 00 

9,600 00 

11,125 00 

3,292 50 

10.750 00 

21,500 00 

5,150 00 

5,050 00 



Securities held as collateral for cash loans : — 

10 shares Ashland Water Co., .... 
8 •* American Powder Mills, . 



t400,692 00 $383,822 56 



Market Valoe. Loaned Thereon. 



•900 00 
1,240 00 



\ 



f 1,800 00 



60 



MIDDLESEX MUTUAL FIRE INSLTIANCE CO. 



9 shares Chicago & West Michigan R.R 
New England Tel. & Tel. Co., 
Illinois Steel Co., 
Pemberton Mills, 
Chicago, R. I. & P. Railroad, 
American Bell Telephone Co., 
American Powder Mills, . 



8 
71 
58 
60 

7 
40 



tt 



t( 



(i 



u 



u 



Market Valne. Loaned Thereon. 
f46 00^ 

824 00 

8,560 00 

6,800 00 j 

4,216 00 

1,442 00 

6,200 00 



18,600 00 

2,000 00 
1,000 00 
2,600 00 



•24,216 00 116,800 00 



Summary of Assets Dec 

Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens ♦) 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule. 
All other cash loans, .... 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, . . . . 
Gross assets, 



31, 1896. 

f 3 1,700 00 

94.626 00 

3,979 13 

383,322 66 

16,800 00 

28,669 61 

2,324 82 

14,341 33 

4,662 01 

20,046 11 

700 00 



$600,070 47 



Liabilities. 
Losses claimed and reported, .... 
Losses disputed or resisted, .... 
Unearned premiums on outstanding nsks. 
Profits or surplus on terminated policies, unpaid. 
Commissions and brokerage, .... 
Gross liabilities, 



•1,637 60 

800 00 

306,640 71 

6,313 06 

2,830 80 



317,022 07 



Net cash assets, 1283,048 40 



Income. 

Premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash premiums received, . 



♦19,166 23 
169,866 26 

•179,021 49 
20,046 11 

1168,976 38 
2,663 46 



•166,411 93 



* Value of landt mortgaged, $85,400 00 

Value of bnlldlngs thereon, 163,800 00 

Amount of Insurance held as collateral, .... 104,000 00 



MUTUAL FIRE ASSURANCE CO. 



67 



RpceiTed for extra premiums, .... 

Interest received on mortgages, 

Interest and dividends received from all sources, 

Income from rents, 

Balance profit and loss account. 



11,945 00 

4,564 75 

19,214 69 

404 85 

1 00 



Gross cash income, $182,542 22 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, . 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 

for incidentals, 

for repairs on real estate. 



Gross cash expenditures, 



Risks and Premiums. 

AmoQnt. 

Risks outstanding Dec. 8 1,1895, $39,191,664 00 
ViUka written during 1896, . 10,680,866 00 

Total $49,872,530 00 

Risks terminated during 1896, . 8,424,705 00 



In force at end of year, . 
Deduct amount reinsured. 



. $41,447,825 00 
88,975 00 



Cash Prem'i. 

$584,105 51 
159,865 26 

• 

$743,970 77 
123,591 69 

$620,379 08 
511 94 



$50,071 19 

71,336 21 

23,675 05 

10,680 00 

2,024 46 

5,129 77 

4,000 00 

$166,916 68 



Contlnff*t Pram's. 

$584,105 51 

159,865 26 

$743,970 77 

123,591 69 

$620,379 08 

511 94 



Net amount in force, . . $41,408,850 00 $619,867 14 $619,867 14 



Miscellaneous. 

Losses incurred during the year, 

Profits or surplus returned duiing 1896, 25,50 and 70 per cent. 



$51,461 00 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

[Incorporated Feb. 28, 1827. OommeDced battneet Joly 26, 1827.] 
GEO. B. HOLBROOK, PreMidmt. FRANK R. TOUNO, Secretary. 

Amount of permanent fund, $117,216 93 

Detailed Statement of Stocks, Bonds, etc. 

Vermont Valley Railroad bonds, . 
Chicago, Burlington & Northern R.R. bonds. 
Western Union Telegraph bonds, . 
Chesapeake & Ohio Railroad bonds, 
Ohio Southern Railroad bonds, 



Par Value. 


Market Yalne. 


$4,000 00 


$4,240 00 


600 00 


500 00 


7,000 00 


7,660 00 


4,000 00 


4,240 00 


8,000 00 


2,860 00 



UTTUAL FIBB A88DSANCE CO. 



Atcbbon, Topeka & S&nta Ft R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Philadelpbia, Wilmiagton & Bait. R.R. bonds, 
llolyoke Street R.R. booda, 
Boston & Albany R.R. bonds, . 
76 shares Second National Bank, Springfield, 
61 " Chicopee Nat'l Bank, Springfield, 

25 " John Haacock Nat'l Bank, Spr'ld, 

26 " First National Bank, SpringBeW, 
25 " Chapin National Bank, Springfield, 
10 " Monaon National Bank, Monaon, 
10 " First National Bank, Chicopee, 
60 " Hadley Falls Nat'l Bank, Holyoke, 
20 " Springfield Nat'l B'k, Springfield, 
50 " Commerce Nat'l Bank, Boston, 

100 « Boston & Albany R.R 

150 " N.Y. Central &Hndson River R.R. 
65 " Chicago, Bnrl. & Qnincy R.R., 
40 " ].ake Shore & Mich. R.R., . 



16,000 00 


Mukft TlllM. 

16,000 00 


600 00 


450 00 


4,000 00 


4,200 00 


6,000 00 


6.SO0 00 


10,000 00 


10,500 00 


1. 7,600 00 


9,760 00 


6,100 00 


9,465 00 


2,600 00 


2,700 00 


2»0 00 


2,700 00 


d, 2,500 00 


3.175 00 


1,000 00 


1,500 00 


1.000 00 


1.400 00 


6.000 00 


7,750 00 


2.000 00 


2,800 00 


6.000 00 


6,450 00 


10.000 00 


21,000 00 


16.000 00 


13.800 00 


5,.W0 00 


3.860 00 


4.000 00 


6,080 00 



f 113.600 00 $137,260 00 



SuMUART OF Assera Dec. : 
Ijoana on mortgage of real estate (first liens*). 
Interest dne or accrued tbereon, 
Stocks, bonds, etc., as per schedule. 
Cosh in Ibe office of the company, . 
Cash deposited in bank, .... 

Interest due and accrued 

Premiums In course of collection (gross), 

Frem's more than three mos. due. . |979 25 

Gross assets, 

Liabilities. 

Losses adjustbd, unpnid, 

Unearned premiums on outstanding risks. 
Profits or surplus on terminated policies, unpaid, 
Gross liabilities, 

Het cash assets 



I, 1896. 

926,170 65 

250 08 

137,950 00 

504 39 

4,388 14 

459 67 

629 13 



12,126 00 

41.496 1? 

73 79 



Incoue. 

Premiums on risks written or renewed. . . |17JS82 32 
Premiums now in course of collection, . . 1.008 38 

Net cash premiums received. .... 116 

• ThIu« Dt lamli mongtgti, )1B,)00 DO 

Tb1d« of bntldlag* th«n 00 St.UO 00 

Amounl or iDtnnnM hol^u DqllBlentl, .... W.WI} 00 



L PROTECTION FlBl 

ireminma, . 
mortgages, 
ds received from all oti 



on terminated policies, 
<s of officers and emplo 
ind local Uxea, 

ntals, 

nditDKB, . 

Bisks and Preu 



. 16,187,000 
Qgl896.. . 957.0.M 



H1SCEU.ANEO1 
ng tbe year, 
arned during 1896, 90 



mON FIRE INSUR. 

•d April 10, IStl. Coma»DO> 
iaU. ( 

^ce, Thompson Sguart, 

it fund, . 

ED Statement of St< 

. National Bank, 
ank of the Republic, 
rn Gas aad Electric Co, 
I Electric Light Co., 
. & Santa F6 R.R., . 
Iroad bonds, 



MTTTDAL PROTECTION FIBE mSDRAKfeE CO. 



SruifART OF Assets Dec. 31, 
Cash value of unencumbered real estate, 






ortgage of real estate (first liens). 



Interest due or accrued thereon, 
Stocks, bonda, etc., as per schedule, 
Ca$h in the office of the couip&ny, . 
Cash deposited in bnnk, .... 
Premiums in course of collection (gross), 
Rents dae and accrued, .... 
Prem'g more than three mos. due, . t55S 79 
Gross assets, 



114,900 00 
43,800 00 
2,171 09 
11,320 00 
1,336 83 
7,143 99 
1,630 93 
137 00 



Liabilities. 

Losses adjusted, unpaid, 9181 

Losses claimed and reported, .... 900 00 

Unearned premiams on oulettinding risica, . 19,757 67 

Profits or surplus on terminated policies, unpaid, 109 68 

Gross liabilities 



Net oasli assets, , 



Net collected, .... 
Premiums on nsks written or renewed, 



11,823 35 
16,63i 89 



Total 117,468 24 

Premiums now in course of collection, . . 2,184 73 

Entire premiums collected, .... tl5i373 52 
Less reinsurance and return premiums, . . 636 52 

Net cash premiums received, .... 

Received for extra premiums 

Interest received on mortgages 

Interest and dividends received from all other sources, . 
Income from rents, etc., 

Gross cash income, 



EXFENDFTUBES. 

Cash paid for losses, 

Deiluct salvngc and reinsurance, 

Net CBsh paid for losses, 



rPOKT MUTUAL FIRE IK8UBANCE CO. 



71 



n terminate)] policies f 1,986 03 

sions and brokerage 3,127 02 

id local tAxes 687 65 

600 00 

talB 669 IS 

iditUTM, 19,060 28 

Bisks and Pbehiuhs. 

AmrHml. Ciiti Pmn'L Contlni't Pnin'i. 

^3t,1695, f 1,767 ,765 00 t2i,U2 Id 924,442 15 

1896, . 975,349 00 16,631 89 16,(!34 89 

. 12,743,114 00 140,077 04 140.077 04 

ng 1896, . 613^46 00 6,989 16 6,989 16 

T, . . 12,229,769 00 134,087 88 (34,087 88 

Miscellaneous. 

>g the jear, 13,092 00 

irned during 1896, 20, 40 nod 70 per cent. 



T MUTUAL FIRE INSURANCE COMPANY, 
NEWBURYPORT. 

XCd P«b., 1B20. ConDMIllHld bD^DH* U>r 1, IBID.] 

LAWBEKCB W. BROWN, Stcrelary. 







(27,021 89 


D Statement of Stocks, Bosds, etc. 






Unrtct Vdne. 


Bank, Newburvport, 


(2,000 00 


(2,300 00 


1 Bank, Newburyport, 


900 00 


990 00 


1 Bank, Nowburyport, 


1,550 00 


1,550 00 


n Nfll'l Bank, Boston, 


1,600 00 


1,522 60 


&. Nflt't Bank, Boston, 


1,000 00 


1,080 00 


t'l Bank, Boston, . 


1,000 00 


760 00 


a. Nat'l Bank, Boston, 


1,000 00 


900 00 


'afl Bank, Boston, 


1,000 00 


950 00 


. & Stock Yard R R., 


900 00 


947 00 


iogton & Qnincy R.R.. 


1,400 00 


1,067 00 


Uaine R.R., . 


2,000 00 


3,320 00 


I» 


600 00 


455 00 


ed bonds. 


1,000 00 


800 00 


red bonds. 


630 00 


620 00 


da, ... 


1,600 00 


1,040 00 


rn Railroad bonds, . 


2,000 00 


2,040 00 



I not flilad ■( diW ol r«ad«iini u 



72 



NEWBURYPORT MUTUAL FIRE INSURANCE CO. 



Atch., Topoka & Santa F6 R.R. bonds, . 
Consolidated Railroad of Vermont bonds, 
Fall River city bonds, .... 
Chicago & Northwestern R.R. bonds, 

St. Paul R.R. bonds, 

Western Union bonds, .... 



Par Valna. 


Market Yalae. 


♦1.000 00 


(135 00 


2,000 00 


1,160 00 


1,000 00 


1,000 00 


1,000 00 


1,000 00 


900 00 


900 00 


1,000 00 


850 00 



126,680 00 f 25,266 50 



Summary of Assets Dec. 31, 1896. 

Loans on mortgage of real estate (first liens*). 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Loans on personal security. 
Cash deposited in back, . 

Gross assets, .... 



1700 00 

19 00 

25,266 50 

100 00 

3,075 61 



•29,161 11 



Liabilities. 

Losses adjusted unpaid, . 

Unearned premiums on outstanding risks. 

Due and accrued for rent, salaries, etc., . 

Gross liabilities, . . 



(21 60 

5,046 63 

25 00 



5,093 23 



Net cash assets, |24,067 88 



Income. 

Premiums on risks written or renewed, . 
Less reinsurance and return premiums, . 
Net cash premiums received, . 
Interest received on mortgages, 



f 2,914 75 
47 44 



Interest and dividends received from all other sources, . 
Income from policy fees, 



Gross cash income, 



12,867 31 

38 50 

1,357 00 

77 00 

$4,339 81 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, . 
for salaries of officers and employees, . 
for State and local taxes, 
for rents, . 



Gross cash expenditures. 



$22 82 


2,798 -77 


432 47 


45 10 


321 52 



$3,620 18 



* Valae of lands mortg ^ged, $900 00 

Valae of buildings thereon, ..... . . 1,40000 

Amount of Inaaranoe held as collateral 600 00 



NORFOLK MUTUAL FIRE INSURANCE CO. 



73 



Risks and Premiums. 

AiDonnt. Cash Prem't. Contlng't Prem's. 

Risks outstanding Dec. 31, 1895, 1719,135 00 $9,085 58 (36,342 32 

Risks written during 1896» . 211,075 00 2,9U 75 11.659 00 



In foi'ce at end of year, 



Total 1930,210 00 $12,000 33 $48,001 32 

Risks terminated during 1896, . 229^85 00 2,830 01 11,320 04 



$700,325 00 $9,170 32 $36,681 28 



MiSCELLAMEOUi. 

liosses incurred during the year, .... 
Profits or surplus returned during 1896, 100 per cent. 



$14 00 



NORFOLK MUTUAL FIRE INSURANCE COMPANY. DEDHAM. 

[Incorporated Feb. 12, 162ft. Commenced bnelneee July 1, 1826.] 
J. WHITB BELCHER, PretidMt. ELIJAH HOWE, Jb., Secretary, 

Amount of permanent fund, . . . . . . . $38^,20114 



Detailed Statemext of Stocks, 



Old Colony R.R. stock, . . . . 

Boston & Lowell R.R. stock, . 

Boston & Albany R.R. stock, . 

Boston & Providence R.R. stock, 

Chicago, Burlington & Quincy R R. stock, 

Atch ison, Topeka & Santa F6 R.R. stock, 

Dedham Water Company stock, 

Lynn city bonds, 

SalcTTi city water bonds, . 

Raotfiolph town notes, 

Cincinnati city bonds, 

Boston city bonds, . 

Boston & Maine Railroad bonds, 

Washington County (111.) bonds, 

N. H. Trust Company bonds, . 

Western Security Company bonds, 

N. E. Mortgage Security Co. bonds, 

Lombard Investment Company bonds, 

Portland & Runiford Falls R.R. bonds, 

Boston & Maine R.R. bonds, . 

Boston & Providence Railroad bonds, 

Boston & Lowell Railroad bonds, , 



Bonds, etc. 

Pftr Value. 

$10,000 00 

7,500 00 

12,500 00 

2,000 00 

10,000 00 

80,.340 00 

6»000 00 

10,000 00 

6,000 00 

9,300 00 

26,000 00 

10,000 00 

10,000 00 

5,000 00 

9,000 00 

5,000 00 

28,000 00 

3,100 00 

8,000 00 

16,000 00 

20,000 00 

20,000 00 



Market Valne. 
$17,800 00 

15,450 00 

26,125 00 

5,260 00 

7,000 00 

6,078 20 

5,000 00 

10,700 00 

5,250 00 

9,300 00 

29,000 00 

11,000 00 

10,400 00 

5,000 00 

6,000 00 

2,500 00 

20,700 00 

1,850 00 

8,400 00 

17,400 00 

21,000 00 

20,750 00 



74 



NORFOLK MUTUAL FIEE INSURANCE CO. 



Maine Central Railroad bonds, 

Oregon Short Line Railroad bonds, . 

Kan. City, St. J. & Council Bluffs R.R. bonds, 

Concord & Montreal R.R bonds, 

Atchison, Topeka & Santa F^ R R. bonds, 

Northern Pacific Railroad bonds, 

Philadelphia & Reading R.R. bonds, 

Old Colony R.R. bonds, .... 

Union Pacific Railway bonds, . 

Fremont, Elkhorn & Mo. Valley R.R bonds, 

Fitchburg Railroad bonds. 

Grand Avenue R'y, Kansas City, bonds, . 

Consolidated Street Railway Co. bonds, . 

Minneapolis Gas Light Co. bonds, . 

Conn. & Passumpsic Rivers R.R. bonds, . 



Par Valae. 

116,000 00 

10,000 00 

9,000 00 

10,000 00 

34,500 00 

8,000 00 

8,000 00 

22,000 00 

25,000 00 

5,000 00 

20,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 



Market Value. 
•15,850 00 

11,000 00 

10,620 00 

10,300 00 

22,710 00 

8.420 00 

10,160 00 

22,500 00 

22,900 00 

6,300 00 

20,000 00 

4,800 00 

5,250 00 

5,000 00 

5,100 00 



SuMUARY OK Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (tirst liens) 
Interest due or accrued thereon. 
Stocks, bonds, etc., as per schedule, . 
Cash in office and bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Bents due and accrued, .... 
Gross assets, 



1436,240 00 1437,873 20 

31, 1896. 

1 14,000 00 

42,032 00 

648 25 

437,873 20 

5,978 35 

5,386 48 

5,748 23 

337 50 

1512,004 01 



Liabilities. 
Losses claimed and reported, .... 
Unearned premiums on outstanding risks. 
Return premiums on cancelled policies, . 
Profits or surplus on terminated policies, unpaid. 
Commissions and brokerage, .... 
Gross liabilities, 



$5,174 20 
150,993 12 

198 23 
4,716 64 

862 23 



161,914 42 



Net cash assets, (350,059 59 



Income. 

Premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash premiums received, . 



$6,624 99 
68,851 67 

$75,476 66 
5,748 23 

$69,728 43 
613 92 



$69,114 51 



OLD OOLONT MUTUAL FIRE INSURANCE CO. 



75 



Interest received on mortgages, • . • • • 
Interest and dividends received from all other sources, • 
Income from rents, • 



12,369 17 

19,621 26 

1,097 87 



Gross cash income, $92,202 81 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rents and incidentals, . . 

for expenses on real estate, . 



Gross cash expenditures. 



122,384 46 

86,002 09 

10,184 81 

6.658 71 

988 82 

1,678 66 

381 89 

178,273 44 



Risks and Fbemiums. 

Amount Clish Prem**. Contfnir't Prem'i. 

Risksoutstanding Dec. 81, 1895,120,688,871 00 $299,827 24 $299,827 24 

Risks written during 1896, . 4,691,388 00 68,851 67 68,851 67 

Total, $25,329,754 00 $368,678 91 $868,678 91 

Risks terminated daring 1896, . 8^88,819 00 57,343 52 57,343 52 

In force at end of year, . . $21,440,935 00 $311,335 89 $311,335 89 

Miscellaneous. 

Losses incurred during the year, $27,559 00 

Profits or surplus returned during 1896, 25, 83), 50 and 70 percent. 



OLD COLONY MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[iDoorporated March IS, 1894. Commeno«d baslneH April 10, ISM.] 
FRANCIS PEABODT, Jb., Pretident. RA7M0ND HAYBB, Secretary. 

Office, 108 WaUr Street . 

SUMMABT OF AsSETS DeC. 31, 1896. 

Cash in the office of the company, . . . $415 17 

Cash deposited in bank, 470 58 

Assessments due, . . . f 45,469 09 
Prem's more than three mos. due, 6,928 49 

Gross assets, |885 70 

Liabilities. 

Losses adjusted, unpaid, $32,710 C4 

Losses disputed or resisted, . , , , 500 00 



76 OLD COIX}Nr HUTUAI. FIRE IHSDBANCB CO. 

Uneamed premiums on outstanding risks, . (13 S5 

Iti^turn premiums oa uaocellvd policies, . . 7,067 £9 

Due and accrued for rent, salaries, etc.,. . . 700 00 

State and local taxes 1S8 87 

Gross liabilities W 1,1 29 85 

Balance against the company, $'10,213 65 

Incohb. 
Premiums ouUtanding Dec. 31, ISSfi, . 931,579 30 

Peminms on risks written or renewed, . . 18,864 16 

Total, . . . . . . . »A3,443 46 

Premiums now in course oC collection, . . 6,933 49 

Entire premiums collected $36,519 97 

Less reinsurance and return premiums, . . 31,006 03 

Net cash premiums received 15,513 94 

Interest received from all sources, 69 17 

Received from assessments 16,059 01 

Gross cash income |21,6!I2 IS 

ExPKKDITUKCa. 

Cash paid for losses 124,556 51 

Deduct salvage and reinsurance, . . 6,S98 83 

Net cash paid for losses 1 18,157 69 

Cash paid for commissions and brokerage, .... 7,41788 

for salaries of officers and employees, . . 7,764 49 

for State and local taxes 519 33 

for incidentals, 10,473 37 

Gross cash expenditures $44,333 66 

Risks and Fkruicus. 

AmoDnt. CbiIi Prem't. Cont1at~t Pmn^. 

Risks oulstanding Dec. 31, 1895, $4,597,492 00 167,954 21 $308,863 63 
Risks wriUen during 1896, . 1,322.647 00 18,864 16 56,W2 48 

Total $5,930,039 00 $86^18 37 1260,455 11 

Bisks terminaUd daring 1696, . 6,912,439 00 86,792 67 260,378 00 

In force at end of year, . . $7,600 00 $25 70 $77 11 

MlSCELLANEOCa. 

Losses incurred during the year, $43,499 00 

Assessments laid on deposit notes or coDtingcnt premiums, . 61,528 00 



MUTUAL 

cUdtnL 

OffiCi 

■LED STATBI 

iburg R.R. b< 

Ey & Clerela 
. bonds, 
bonds, 

la. 



SUMUART Ol 

as per schedi 
f the compai 

e of coltectio 



ipaid, . 

13 on outstiuii 



ling Dee. SI, 
written or n 



iourse of ooll 

jllected, 
id return pre 
: received, . 
ads receiTed 



QUINCT MDTDAL FIEE INSURANCE CO. 



Expenditures. 

Cash pai<l for losses, $7^84 36 

as profits on terminated policies, .... 36,916 96 

for SHlaries of officers and employees, . . 3,340 00 

for Stale and local taxes 494 65 

for reots 240 00 

for inspections, etc., 1,335 61 

Gross cash expenditures, (49,511 68 

Risks ahd Prehiums. 

Ammnt. Cuh Prnn't Contliiir*l Prera'a. 

BisksoutstandingDec.31,1895, $5,581,24100 153,610 96 (367,554 80 

Risks written during 1»96, . 6,222,009 00 54,344 97 271,724 65 

ToUl 111,803,250 00 (107,855 93 (539,279 65 

Risks terminated during 1896, . 5,626,501 00 55.736 03 278,660 15 



In force at end of year, 



. (5,974,749 00 (52,119 90 (260,599 50 



Miscellaneous. 



Losses incuiTed duiing the jear, 

Profits or surplus returned daring 1896, 69.04 per cent. 



QUINCy MUTUAL FIRE INSUR.A.NCE COMPANY, QUISCY. 

[iDCorpanted Uinh U, 1S51. Commaii»d bailDcu Wtj, 1U1.] 
OHARLBS A. BOWLAND. Frftldnl. WU. B. FAT, Secrelary. 

Amount of permanent fund (350,000 00 

Dktailkd Statement of Stocks, Bokds, etc. 

88 shares Rockland Nalionat Bank, Boston, . 

200 " Manufacturers' Nat'l Bank, Boston, 

370 " Third National Bank, Boston, 

70 " Second National Bank, Boston, . 

50 " First National Bank, Boston, 

40 " Merchants' National Bank, Boston, 

35 " State National Bank, Etoston, 

66 " Washington National Bank, Boston, 

37 " Revere National Bank, Boston, 

50 " Hamilton National Dank. Boston, . 

46 " Continental National Bank, Boston, 

75 " Redciuptton National Bank, Boston, 

25 " Market National Bank, Boston, 

100 " Noilh National Bank, Boston, 

246 " Ml Wollaston Nat'l Bank, Quincf, 



PuValiM. 


HirMVulH. 


(8,800 00 


(12,056 00 


20,000 00 


20,000 00 


37,000 00 


32,930 00 


7,000 00 


12,390 00 


6,000 00 


11,700 00 


4,000 00 


6,120 00 


3,500 00 


3.780 00 


6,600 00 


6,666 00 


3,700 00 


2,960 00 


5,000 00 


6,300 00 


4,600 00 


4,600 00 


7,500 00 


8,626 00 


2,500 00 


2,375 00 


10,000 00 


10,000 00 


24,600 00 


31,980 00 



SCY MUTUAL FIKE INSURANCE CO. 









M«feIV.tp». 


National Bank, Quincy. . 


14,400 00 


16,160 00 


tt Nat'l Bank, Fitt-hburg, 


6,000 00 


10.000 00 


NanBaQk.Hinghaiii, . 


4,000 00 


4.000 00 


'1 Bank, Wejmonth, 


4,800 00 


6,280 00 


Hl'I Bank, Weymouth, 


3,800 00 


3,990 00 


mond N'l B'k, Worcester, 


1,000 00 


1,100 00 


Nntional Bank, Brockton 


5.000 00 


6,260 00 


h National K'k. rijmoiith. 


2,900 00 


3.045 00 


tional Bank, West XewtoD 


2.500 00 


2,600 00 


Burl. & Quincy R.R., . 


20,000 00 


14.000 00 


fc Lowell Railroad, . 


30,000 00 


61,500 00 


ny Railroad. . 


1.100 00 


1,936 00 


11 Cordage Co., . 


10,700 00 


10.000 00 


e Duck Co., 


17,800 00 


17,800 00 


Safe Deposit & Trust Co. 


6,000 00 


6,000 00 


eet B.R. bonds. . 


10,000 00 


10,000 00 


1 & Quiacy B.R. bonds. . 


11.500 00 


12,900 00 


ka Co. bonda, . 


U,300 00 


6.000 00 


s, . . . . 


2,200 00 
fSOd^OO 00 


2.200 00 




•364,143 00 


collateral for cash loans 








Ulrktl VllD*. 


Lo«n«l TlierwB. 


eased Meat and Wool Co 


•22,500 00 
6,000 00 , 


110,000 00 


ackiog and Provision Co.. 


9,000 00 < 


10,000 00 


anite Bank, Quincy, . 


13,860 00 


11,900 00 


Manufacturing Co., 




10,000 00 


2,200 00 


ha Trust Co.. . 




1,600 00) 




alls National Bank, 




Ir'iOO 00 ' 


2,600 00 


g R.R. Co., 




4,700 00- 




Lead Co., . 




4,250 00 




[n vestment A^socialio 


n. 


6,000 00 




vay Co. bonds, . 




8,800 00 




higan R'y bonds. 




600 00 


32,600 00 


R. bonds, . 




1,000 00 




& Hudson Canal Co 




4,ai9 00 




bonds. , 




900 00 




Electric Co.. 




6.600 00 




t. bonds, . 




1,050 00 




onds. . . . 




1,000 00 




Railway bonds. . 




1,030 00 




bany & Chicago bond 


9. 


750 00 








6,056 00 


30,000 00 






6,200 00 




bonds,. 




6,713 00 




nds, . 




9.180 00 




nn.. bonds, . . 




6,460 00 





1133,498 00 $99,100 00 



QUINCr MOTUAL PIBE INSDR4NCE CO. 



ScHHART OF Assets Dec. 31, 1896. 

Cash value of unencumbered real eatale, . (16,800 00 

I^iAngnninoitgageof realPStato(first lieDs*), 64,800 00 

Interest due or accrued thereon, . 1,642 55 

Stocks, bonds, etc., ns per schedule, . . . 8-54,143 00 

Loans on coUaieral security, as per schedule, 99,100 00 

Cash in the ofBce ot tho company, ... 320 00 

Cash de]>osited in bank 18,124 47 

Interestdue and accrued 5,194 77 

Preraitmis in course of collection (gross), . 11,407 49 

Bents due and accrued, 425 00 



Liabilities. 

Losses claimed and reported |6,750 00 

Unearned premiums on outstanding risks, . 264,586 76 

Profitsorsurpliison terminated policies, anpaid, . S,000 00 

Due and accrued for rent, salaries, etc., . 200 00 

State and local taxes, 350 00 

Gross liabilities, 264,786 76 

Net cash assets, t3S7,170 5S 



Premiums outstanding Dec, 31, 1895, 
FremiuiDS on risks written or renewed, 



I12.8S1 17 
145,232 07 



Total 1168,113 24 

Premiums now in course of collection, . . 11,407 49 

Entire prerainms collected, .... (146,70575 
Less reinsurance and return premiums, . . 6,790 89 

Net cash premiums received, .... |140,9I4 86 

Received for extra premiums, 1,631 50 

interest received on mortgages 2,861 80 

Interest and diviiieuds received from all other sources, . . 22,767 03 

Income from rents, 670 47 

Gross cash income |1S8,84S 66 



EXFEXDITDRES. 

Cash paid for losses, (GS,107 31 

as proflU on terminated policies, .... 70,269 4S 
for commissions aqd brokerage, .... 22,452 S3 

• Vultio of lindi mat^f^^, |M,im 00 

Vduaof bDlMlDgitlianan Tl,00a DO 

Amount of InfurniiH hrld ■■ collnint. S9.TD0 DO 



TTFACrmtERS MDTUAL IKSUEANCE CO. 



81 



)f officers and employees, . , f 13,517 95 

i local tfties, 2^97 37 

lU 7,046 09 

itares, $176,990 37 

Risks and Prehiuhs. 

AoKHlilt. CuhFnm'i. ConllnCt mm'i. 

31,1895,134,842.060 00 (519,986 21 (519,986 21 

)96, . 9,426.166 00 145,232 07 146,232 07 

. 144,267,226 00 1665,218 28 |665,318 28 

g 1896, . 9,658,749 00 148,205 26 148,205 26 

.134,708,477 00 |5I7,013 02 1517,013 02 

ed, . 6,500 00 68 45 68 45 

«,. .(34,702,977 00 (516,954 67 (516,954 57 

MISCELLANE0C9. 

the year, (64,810 00 

aed during 1896, 20, 40 and 60 per cent, 



TURERS' MUTUAL INSURANCE COMPANY, 
BOSTON: 





n»liH»Jaii.l9.18B6I 




«(. 


B. F. TAFT 


SeereUmi- 


qgiee, 31 Milk street. 




Statement of STOCKS, Bokds, etc. 






r»rV^s. 


HurkitVnlae. 


ds, . . . 


(5,000 00 


(5,450 00 


ad bonds, . 


10,000 00 


10,160 00 


bonds, 


26,000 00 


26,150 00 


'aper Co. bonds, . 


6,000 00 


6,000 00 


and Railroad bonds. 


8.000 00 


8,920 00 


jonds, . 


1,000 00 


1,005 00 


eet Railroad bonds. 


12,000 00 


12,720 00 


ad bonds, . 


1,000 00 


1,050 00 


vad bonds, . 


1,000 00 


1,040 00 


8 


500 00 


611 26 


ny bonds, , 


6,000 00 


6,000 00 


ny bonds, . 


1,000 00 


900 00 


s Rubber Company, 


21,800 00 


16.568 00 


any stock, . 


6,000 00 


3,700 00 



BUBBEH MANDTACTCREES' MTTTOAL INSDBANCE CO. 



Lynn & Boston R.R. bonds, 
Ea£t Middlesex St R>y bonds. . 

Bangor & Aroostook R.R. bonds, 

Corporation notes, . 

West End Street R.R, bonds, . 



SuuHART OF Assets Dec. 
Stocks, bonds, etc., as per schedule. 
Cash in the office of the compaoy, . 
Cash deposited in bank, . 
Interest due and accrued, . . 
Premiuma in cnurae of collection (grosa), 
Renta due and accrued. 



PirTilne. 


MurtttVmln. 


$1,000 00 


91,000 00 


7.000 00 


7,000 00 


10.000 00 


10,000 00 


91.600 00 


91,600 00 


3,000 00 


2.986 00 


I3U300 00 


9210,649 25 


, 1896. 




(310.649 26 




974 40 




45.659 27 




4,308 19 




2,566 21 




800 00 






•264.966 82 



Liabilities. 

Unearned premiums on outstanding riska. ■ 1119.128 77 

State and local taxes 536 40 

Gross liabilities 119,666 17 

Net cash asseU 9146.291 IS 



Premiums outstanding Dec. 31. 1895, . 
Premiums on risks written or renewed, . 



96,177 19 
260,905 35 



Total, 9267.082 64 

Premiums now in course of collection. . . 2,565 21 

Net cash premiums received, .... $264,517 33 

Interest and dividends received from all sources, . . . 12,271 88 



Groaa cash income 9276,789 21 

EXPENDITDRES. 

Cash paid for losses 943,726 19 

as proRts on terminated policies, .... 176,819 41 

for salaries of officers and employees, . . . 6,440 07 

for State and local taxes, 2,776 SO 

for incidentals, 8,611 30 

for inspections, 8,713 68 

Gi-oss cash expenditures, 9245.086 95 



MDTnAL FIBE IN61JBANCE CO. 



BiaSS AMD PrF.MTUUS. 



31,1895, $24,891,203 00 |219,63£ 82 «I,248,179 10 
896, . 24,997,928 00 260,906 35 1,304,626 75 

. 119,889,131 00 (510,541 17 82,552,705 85 
igl896,. 27,271,063 00 272,283 63 1,361,418 16 

■, . . 122,618,078 00 $238,257 64 »1,191,287 70 

MlSCELLAKEOOS. 

r the year 141,091 00 

Hied during 1896, 70 per cent. 



lL FIBE INSURANCE COMPANY. SALEM. 

d April IT, ISSa. Commenced baalDHi Ut.j. IBSa] 
J^aidnt. HOWARD B. PORTER, Sicntaty. 

fund $62,680 66 

D Stateuent op Stocks, Bonds, etc. 



x)ad bonds, 
:>ttd bonds, 
road bonds. 



$1,000 00 


f 1,007 60 


4,000 00 


4,195 00 


3,000 00 


3,110 00 


1,000 00 


1,045 00 


1,000 00 


1,040 OO 


1,000 00 


1,015 00 


3,000 00 


3,030 00 


1,000 00 


1,180 00 


1,150 00 


1,220 50 


2,000 00 


2,195 00 


1.000 00 


1,180 00 


8,000 00 


8,090 00 


1,000 00 


1,005 00 


2,000 00 


2,025 00 


1,000 00 


1,015 00 


1,000 00 


1,016 00 


2,000 00 


2,065 00 


2,000 00 


2,040 00 


3,000 00 


3,120 00 


1,000 00 


1,010 00 


1,000 00 


1.015 00 


1,000 00 


1,050 00 


4,550 00 


4,686 50 



8ALEH HCTUAL FIRE INSDHAKCE CO. 



20 " 

14 " 

15 " 


s Xational Eicliange Bank, Salem, 
Salem National Bank, . 
Asiatic National Bank, . 
Salem Gas Company, 


»500 00 
2,000 00 
420 00 
1,500 00 


1400 00 

2,280 00 

878 00 

1,413 75 




♦47.020 00 


»49,167 25 



ScHMABT OF Assets Dec. St, 1896. 

Cash value of unencumbered real estate, , (12,000 00 

Loans on mortgage of real estate (first liens •), 14,200 00 

Interest due or accrued thereon, . . . 117 83 

Stocks, bonds, etc., as per schedule, . . 49,167 25 

Cash In the office of the company, . . , 625 08 

Cash deposited in bank, 1,071 58 

Interest due and accnieil, .... 587 40 

Premiums in course of collection (gross), . 2,675 69 

Rents due and accrued, 43 90 

Prem's moie than three mos. due, . f 16 00 



LtAI 

Losses adjusted, unpaid 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Fronts or surplus on terminated policies, unpaid, 
Commissions and brokerage, . 
Gross liabiiilies, 



Net cash assets, . 



113 47 
8,125 00 
27,650 69 
18 00 
862 85 
419 76 



Income. 
Premiums outstanding Dec. 31, 1896, . . 12,387 49 

Premiums on risks written or renened, . . 24,422 17 

Total $26,809 66 

Premiums now in course of collection, . 2,690 59 

Entire premiums collected 124,219 07 

Less reinsurance and return premiums, . 718 44 

Net cnsh premiums received, ■ . ■ . 

Keceivedfore^tra premiums, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 

Gross cash income f26 

• VilQt of liDdi morttmgHl «S,TO0 00 

Vilaaot balldlDgstbarMn 14,000 00 

AmouDt ot Iwnnnw bald u mllitaral 1I,MM 00 



AMESBURT MUTUAL FIBE IN8URAXCB CO. 85 



Expenditures. 

f4.674 00 

on termioated policies, .... 4,929 33 

iasiona and brokerage 3.73147 

\a at ofBcers and employees, . . . 3,S04 S3 

md local taxes 398 63 

uid incidentals 1,200 23 

Dditureo. 118,138 IH 

Rises akd Premiuks. 

AmonnL Cuh'Preni-9. CnnllnK'l Pivm't. 

w. 31, 1895, |ti,621,656 00 943^76 07 143,376 07 

1896, . 1,526.248 00 24,422 17 24,422 17 

. $4,147,804 00 $67,798 24 $67,798 24 

ring 1896, . 1,095,911 00 16,323 23 16,323 2;i 

ar, . . $3,051,893 00 $51,476 01 $51,475 01 

Miscellaneous. 

ng the year $7,786 00 

urned during 1896, 20, 40 and 70 per cent. 



fD AMESBUSr MUTUAL FIRE INSURANCE 
COMPANY, AUESBURY. 

rued If If la, ISU. Commanoad buincw Jnoc 13, IR9V] 

', Pruidtnt. OQABLES L. ALLEN, SKTrtam, 

[JHHABT OF Assets Dec. 31, 1896. 

iie companj, . . . $28 65 

nfc 301 36 

of collecdoD (gross), . 6 00 

. $100 00 
$336 01 

Liabilities. 
on ontstanding risks, . $838 04 
838 04 

the company $502 03 



BAUOnS MUTUAL FIRE mSUBANOE CO. 



Premiums outstandiog Dec. 31, 1895, 
Premiums on risks written or renewed, 



Total, 
Premiaras now ii 



course of collection. 



Entire premiums collected. 

Less reinsurance and return premiums. 

Net cash premiums received, . 

Interest and dividends received from all sources, , 



Gross cash income, 



EXPENDITCHES. 

Cash paid for losses, 

as profits on terminated policies, . 
for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 



IS cash expenditures, 



Risks and PREHmus. 



Risks outstanding Dec. 31, 1 
Risks written during 1896, 



Total 

Deduct risks expirad and terminated. 

In force at end of year, . 



(238,321 00 
10,250 00 



^248,57 1 00 
27,650 00 



MiaCELLANEOUS. 

Losses Incurred during the year. 



SAUGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS. 

[Incorpormtcd Fab. SI, 1B6I. Commeiuwd bmlDOM April 1, IBS!.] 

HEKBEKT B. MEWnALL, PreHdmt. WtLBOR F. KSWBALL, SrrrOary. 

[Non.— Thli coiiip*D]i iDinm nolblng bot dwtlllD^, fsnn bolldhigi tnd Uwlr coDl«ot>, In 
LyaD, SKUgu*. tyDiiHeid, Swimpaoau ind Kibim. Mo ewh prtmloma ■» Uikni, boi uaru- 
manU tie mule on dapeili nata* to pay Joiiai ud aipanua. All pollcU* u* laaaad for > larm 
of ttarae j«ra.] 

Sl'huary of Assets Dec. 81, 1896. 
Cash in the office of the company, ... f66 84 

Cash deposited in bank 405 60 

Unpaid assesimcnls, 320 00 

Gross nsscts |792 <■* 



>ANTERS HDTUAL FIRE INSCRANCE CO. 



Liabilities. 






reported, . 
uoney. 


$38 00 

2,600 00 


$2,538 00 


IKCOHB. 




ds received from all sou re 
fees, .... 


es, . 


$11 64 

580 00 
















$1,094 94 






and local taxes, 
and iDcidentals, 


ploj-e 


.s, . . . 


1,400 00 














enditures, . . . ■. 


$6,921 23 


K1SK3 AHD Pb 

ec. SI, 1896. . 


EHIUM8. 

. $2,943,625 00 

. 1,002,250 00 


$361,960 00 
124,920 00 


d and termiDated, 




$3,945,775 00 
993,100 00 


$486,880 00 
123,694 00 


ear. . . . 




$2,952,675 00 


$363,286 00 


MiSCELLAMEOUS 






ng the year 

deposit notes or contingent premiums, . 


$6,075 00 
3,570 00 



ERS MUTUAL FIRE INSURANCE COMPANY, 
PEABODY. 

■ted Jon* IZ, isa. Coaatoeti bnilnna Anc. 1, ISID.] 

K, rritidenl. 0E0R8E M. FOSTER, Sfcniary. 

:nt fund Dec. 31, IS96 $54,126 18 

LED Statement of Stocks, BoNua, etc. 

PirVilDf. UirketVulue. 

nycrBNat'lBank.Peabodj, $11,100 00 $13347 75 

s'fttional Bank, Peabodj, , 4^00 00 6,856 00 

'ational Bank, Salem, . 1,530 00 1,377 00 

ig National Bank, Salem, . 2,000 00 2,51-5 00 

Exchange Bank, Salem, . 1,800 00 1,620 00 



BOnTH DANVEB8 MUTUAL FIRE IN8UEANCE CO. 



12 shnres First NnttoDal Bank, Salem, . 
34 " First National Bank, Danvers, 
SO " Hide & Leather Nat'l Bank, Boston, 
4 " Andorer National Bank, Andover, . 

1 " Cape Ann Nat'l Bank, Gloucester, . 
10 " Manufaclnrers' Nat'l Bank, Boston, 
20 " Naumkeag' Steam Cotton Company, 
20 " Androscoggin Mills, 

2 " Nashua Manufautuiing Co., , 
Cincinnati cit; bonds, .... 
Wakefield Water Co. bonds, . 

Providence city bonda 

Pillsfield city bonds 

Boston & Maine R.R. bonds, . 
Eastern R.R. bonds 



SuMMARv OF Assets Dec. i 

Stocks, bonds, etc., as per schedule,. 
Cash in the office of the company, , 

Cash deposited in bank, 

Interest due and accrued, . ' . 



»1,SOO 00 
2,560 00 
3,000 00 
400 00 
100 00 
1,000 00 
2.000 00 
2,000 00 
1.000 00 
2,000 00 
2,000 00 
7,000 00 
2,000 00 
3,000 00 
2.000 00 



11,071 OO 
2,499 OO 
3,251 25 
440 00 
HO 00 
1,000 00 
1,395 00 
2,320 00 
1,016 00 
2,300 00 
1,-00 00 
7,700 00 
2,020 00 
3,135 00 
2.370 00 



152,480 00 $57,072 00 



$57,072 00 

no 00 

8.178 69 

429 66 



Unearned premiums on outstanding risks, . (12,201 44 
FroStsorsurpluson terminated policies, unpaid, 881 75 

Due And accrued for rent, saiartus, etc., . . 647 60 

Gross liabilities, 13,630 69 

Net cash assets, |52,159 66 

Income. 
l^emiums od risks written or renewed, . . $3,22,1 94 

Less reinsurance and return premiums, . . 314 00 

Net cash premiums received $2,909 94 

Interest and dividends received from all sources, . . . 2,639 20 

Income from policy fees, 104 00 

Gross cash income $5,663 14 

Expenditures. 

Cash paid for losses t340 80 

as profits on terminated policies 2,893 U 

for salaries of officers and employees, . . . 2,206 00 

for State and local taxes, 27 66 

for incidentals 199 34 

Gi'oss cash expenditures $5,666 «3 



mechanics' mdtu. 



)ec.31,189S, $1,169,23 
ig 1896. . 168,27 



. 11,337,50 
iring 1896, . 150,201 



UlBCELI^NE 

■ing the year, 
cturned dnriog 1696, H 



D MECHANICS' Ml 
COMPANY. LO 

onledJnnt, 1»8. Commeix 
tildml. 



,-KO Statement or Si 

iggiD Mills, 

tton Mills, . 

I Manofacturing Compf 

3 Gas CompaDy, 

as Com pan J, . 

[anufacturing Com pan; 

iselU Collon Mills, . 

:;k Manufacturing Co , 

X Co Qi pan J, 

& Suffolk Mills,. . 

ill National Bank, . 

Bank of North Aroerici 

& Mass. B.B„ . 



Iroad bonds, 
mds, . 



90 TRADERS' AND MECHANICS' MUTUAL FIRE INSURANCE CO. 

Eiist Middlesex Street Railway bonds, . . f 10,000 00 ) 10,200 Oi) 

Fitchhurg Railroad bonds 16,000 00 15,750 00 

Lowell & Siibui-ban Street Railway bonds, . 25,000 00 26,250 00 

Maine Central Railroad bonds, . 20,000 00 20,400 00 

St. Johnsbury & Lake Champlain R.R. bonds, 20,000 00 23,400 00 

Chicago Sanitary bonds, 20,000 00 21,200 00 

Swift Company bonds 5,000 00 5,000 00 

1314,950 00 f378,161 00 

Securities held as collateral for cash loans : — 

1 share Appleton Company, .... 
Lowell & Lawrence R.R., 

4 shares MassachusettsCottnn Mills, 

6 " Great Falls Manuf. Co, . 
35 " Criterion Knitting Co., 
90 " Lowell & Suburban Street Railway, 
60 " American Bolt Co., .... 
50 " Lowell & Suburban Street Railway, 
SO " Lowell Gaslight Co., 

141,850 00 134,200 00 
Excess of loan over market value, S50 00 



ScuuART OF Assets Dec. 31, 1896. 

Loans on mortgage of real estate (first liens), 1166,789 00 

Interest doe or accrued thereon, , . . 2,970 82 

Stocks, bonds, etc., as per schedule, . . 378,161 00 

I.oans on collateral security, as per schedule, . 33,950 00 

All other cash loans 54,946 00 

Cash in the office of the company, . . , 4,560 67 

Cash deposited in bank 21,132 99 

Interest due and accrued 2,588 03 

Premiums in course of collection (gross), , 7,117 17 

Gross assets, 



Liabilities. 

Unearned premiums on outstanding risks, . 1332,948 18 

Profits or surplus on terminated policies, unpaid, 4,544 00 

Commissions and brokerage, .... 977 57 

GrosB liabilities 338,469 75 



1500 00 


9200 00 


2,100 00-) 




4,000 00 S 


6,000 00 


760 00 ) 




7,000 00 


5,000 00 


11,260 00 ) 




2,500 00 S 




6,260 00 


5,000 00 


7,600 00 


4,000 00 



Net cash assets 1333,745 93 



HECHAinCS' MUTUAL PIBE IN8UBANCE CO. 91 



g Dec. 31, 1895, . . $22,C99 44 
ritten or reDewed, . . 194,588 77 


1217,181 21 

urae of colleclioD, . . 7,117 17 


lected, .... (210,064 04 
return preniiiina, . . 5,988 48 


remiunis 

mortgages, 



3s received from all other sonrces, . 



1204,135 56 
1,371 68 
6,358 71 
22,258 13 



ne, f284,U3 98 



EXPEIKDITERES. 



n t«rniit]ated policies, . 
«ioiis and brokerage, 
t of officei's and employees, 
id local taxes. 



980,415 44 
96,476 36 
30,264 83 
19,046 29 
2,314 60 
1,600 00 



oditures 

Risks and FBEHiDua. 

Amount. • C«Bti Prem'l. i 

eo.31,1895,»41,965,558 00 »649,564 41 
; 1896, . 12,328,009 00 194,688 77 



. «54.293,567 00 1844,153 18 
. 11,080,108 00 172,084 17 



♦844,163 18 

172,084 17 



. 143,213,469 00 Wi,!)* 
15,615 00 2; 



1679.069 01 
241 69 



. 143,197,844 00 1671,827 32 1671,827 32 



MiSCELLAHEOUS. ' 

Dg the year, 

nrned during 1896, 30, 50 and 70 per cent. 



\VE8TEBM HAS8ACH08ETT8 MDIUAL FIRE INSUBAKCB CO. 



WESTERN MASSACHUSETTS MUTUAL FIKE INSURANCE 
COMPANY, SPRINGFIELD. 

[In»rpar*l»d Jui, IB, IBM. ( 
SLIBHA UOROA^T, Frttldtnt. 



SUHMABT OF ASSETS DeC. 31, 1896. 

Cash in the office of the compnny, . . , f4,708 60 

Cash ID hands of collecting agents, ... 90 55 
Due OD account of assessments, $38,579 41 

Gross assets, 



LlABILITlsa. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks. 
Return premiums on cancelled policies, . 
Due and accrued for rent, salaries, etc., . 
^Commissions and brokerage, . 

Gross liabilities, .... 



|U,251 27 

2,500 00 

2 43 

3,198 78 

2,760 98 



Impaii-ment, 417,917 IS 



Income. 
Premiums outstanding Dec. 31, 1895, . . f 1,353 77 

Same not collected 1,220 02 

Net collected, ...... »33 75 

Premiums on risks written or renewed, . . 4 86 

Net cash premiums received |38 61 

Received from assessment, 10,018 78 

Received from all other sources, 9 60 

Gross cash income 110,066 89 

ExPENUITCRES. 

Cash paid for losses (2,787 02 

for commissions and brokerage, .... 560 49 

for salaries of officers and employees, . . . 1,35100 

for State and local taxes 304 37 

for rents 225 00 

for incidentals, 4,340 63 

Gross cash expenditures, .,.<.•. 19,668 51 



»273,055 00 
62,225 00 


12.629 65 
436 65 


ConUnc-iricBl. 

17.888 9S 
1.306 96 


1335,280 00 
52,545 00 


f 3,065 30 
387 35 


|9,196 90 

1,162 05 


1282.735 00 


12,677 95 


f8.033 85 



WEST NEWBUHT MUTUAL FIKE INSURANCE CO. 



Risks and Prbhiuhs. 

KiBkB outstanding Dec 31,1895, 
Risks written during 1896, 

Total 

Risks terminated duriDg 1S96, . 

In force at end of year, . 

MlSCElLANBOCB. 

Profits or surplus returaed during 1896, 5, 10, 15, 20 and 25 per cent. 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, WEST 
^NEWBURY. 

[IneorponUd Uarch, 1S28. OommsDOKl bnilDHi April, lt2S.] 
CHAS. W. OBDWAT, Priiatnl. HKNRT T. BAILET. Sicrelaiy. 

[HOTi. — ThI* Bompaa; churgei no aUh pnmlnmi, bnl nllei npan uiaHmeiila dd dapoati 

SuMUA^BY OF Assets Dec. 31, IS96. 
Cash in the office of the company, ... |23 73 

Cash deposited in bank, 419 Ot 

Unpaid assessments on deposit notes, . . 190 82 

Ofiice furniture |100 00 

Gross assets $633 56 

LtABILITIBS. 

Losses adjusted, unpaid 1900 00 

Losses claimed and reported, ... 200 00 

Due for borrowed money, .... 4,000 00 

Gross liabilities f5,100 00 

Income. 

Income from policy fees, 1117 60 

Income from assessments on deposit notes 6,193 66 

Borrowed money (3,763 78 

Gross cash income 16,311 15 

EXFBMDITCRES. 

Cash paid for losses |5,T28 SO 

for commissions and brokerage. .... 141 99 

for salaries of officers and employees, . . . 402 8S 

for State and local taxes, 63 91 



tfANnFACTDREBS' MDTITAI, IN8URAKCE CX). 95 

ad incidentals, ..,,.. |D3 57 

it OD borrowed money, .... 133 99 

laid (3,099 53 

ndilurea, f6,54.S 01 



Risks and Pbemiohs. 

AnHunt. Contlng't Prcm'*. 

;. 31, 1895, . . . 12,507,972 00 |139,619 17 

325,685 00 25,641 10 



Miscellaneous. 



$2,579,613 00 1154,677 28 



Dgtbeyear, 

deposit notes or contingent premiums, 



nllbrchEI.ISU. Comi 



E. BUCK, Vice-Prrit 



.ED Statehekt of Stocks, Bonds, etc. 



bonds, 

)at Co. bonds, . 

ited Street R.R. bonds. 
K.R. bonds, . 
lincj R R. bonds, 

EL bonds, . 
Illinois R.R. bonds, . 
I road bonds, . . 
(Worcester) stock, . 
K. bonds, . 



»16,000 00 
15,000 00 
13,000 00 
14,000 00 
20,000 00 
25,000 00 
16,000 00 
20,000 00 
16,000 00 
20,000 00 
6,000 00 
10,000 00 
10,000 00 



(16,060 00 
15,500 00 
13,000 00 
14,000 00 
20,200 00 
22,750 00 
16,050 00 
20,500 00 
18,450 00 
23,300 00 
9,000 00 
10,500 00 
10,400 00 
35,000 00 



1198,000 00 (244,700 00 



96 WOECESTEB MANUFAOTDREES' MUTUAL IN8UEAN0E CO. 



SouHART OP Assets Dec. 
Stocks, bonds, etc., as per schedule. 
Cash in the office of the cotnpaoy, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross). 
Gross assets, 



31, 1896. 

f2M,700 00 ' 

30 35 

46,039 01 

1,301 72 



Liabilities. 
Losses adjusted, unpaid, .... 
Txisses claimed and reported, . 
Unearned preiuiums on ontstanding risks. 
State and local taxes, .... 
Gross liabilities, .... 



1177 83 

206 80 

132,473 07 

465 82 



Net cash assets, $158,448 06 



Premiums onlstanding Dec. .?1, 1695, 
Premiums on risks written or renewed. 



Kntire premiums collected, 

Less reinsurance and retnri 

Net cash premiums received. 

Interest and dividends received from all 



n premiums. 



f7S2 22 
277,625 72 



1277,056 22 

10,M4 47 



Gross cash income, $380,341 71 



ExPEKDrrURES. 

Cash paid for losses 

as profits OD terminated policies, ■ 
for saUrics of officers and emplovees 
for State and local taxes, 

for rents, ^ 

for incidentals, , . . , 



1116,026 27 
163,486 53 
10,050 73 
2.612 4G 
1,000 00 
6,1S6 34 



Gross cosh expenditures, 

Risks and Preuichs. 

AuoanL Culi Prem'i. 

RisksoutatandingDec.Sl,1896,»Sl,297,733 00 1258,176 31 
Risks writlen during 1896, . 34,728,911 00 277,636 72 

Total, 166,026,644 00 «53e,801 03 f 

Risks terminated during 1896, . 32,919,169 00 270,854 88 

In force at end of year. 



1299,312 32 



11,290.876 65 
1,388,128 60 



.133,107,476 00 $264,946 16 11,824,730 75 



WORCESTEB MUTUAL FIRE INSURANCE CO. 



97 



Miscellaneous. 

Losses incurred during the year, 

Profits or surplus returned during 1896, 63^;^^ per cent. 



$44,197 00 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, 

WORCESTER. 

[Incorporated Feb. 11, 1883. Commenced bnelneM May 1, 1824.] 
JOaN A. FATERWEATRER, PreHdenL ROGER F. UPHAtf, Secretarjf, 

Amount of permanent fund, f 388,258 23 



Detailed Statement of Stocks, 

170 shares Worcester National Bank, 

22 " 

50 '* 

2<J0 " 

68 *• 

45 " 

40 " 

15 " 

10 " 

15 " 

20 " 

25 " 



** Central National Bank, . 

'* Citizens^ National Bank, 

** City National Bank, 

^ Mechanics' National Bank, 

" Quinsigamond National Bank, 

" Fitchburg NatM Bank. Fitchburg, 

Southbridge Nat'l B'k, Sonthbridge 
" Oxford National Bank, Oxford, 
•• Blackstone Nat'l Bank, Uxbridge, 
•* First National Bank, Westborough 
** Waohusett Nat'l Bank, Fitchburg. 
Boston & Maine Railroad bonds, 
Boston & Albany Railroad bonds, . 
Clocinnati, Hamilton & Dayton R.R. bonds, 
Portland ft Rumford Falls R.R. bonds, . 
Fiti'hbarg Railroad bonds, 
Cheshire Railroad bonds, .... 
Worcester, Nashua & Rochester R.R bonds, 
Maine Central R.R. bonds, 
Pt^nobscot Shore Line R.R. bonds, . 
Worcester Consolidated Street R'y bonds. 
West End Street Railway bonds, 
Rutland R.R. bonds, 



Securities held as collateral for cash loans : — 

Savings bank books assigned, .... 
60 shares Howard Bros. Manuf. Co., 
lo •* W'orcestcr Gas Light Co., . 



Bonds, etc. 

Par Valne. 

$17,000 00 
2,200 00 
5,000 00 

20,000 00 
5,800 00 
4,500 00 
4,000 00 
1,500 00 
1,000 00 
1,500 00 
2,000 00 
2,500 00 

15.000 00 
5,000 00 

12,000 00 
5,000 00 

25,000 00 
7,000 00 
8,000 00 
5,000 00 
5,000 00 
5,000 00 
5,000 00 
3,000 00 



Market Valae. 

t24,650 00 
2,970 00 
6,500 00 
29,000 00 
4,930 00 
6,300 00 
6,000 00 
1,500 00 
1,000 00 
1.500 00 
2,000 00 

• 4,500 00 
16,550 00 

5,300 00 
12,240 00 
5,150 00 
25,000 00 
7,140 00 
8,080 00 
5,050 00 
5,060 00 
5,100 00 
5,200 00 

• 3,090 GO 



f 167,000 00 1193,800 00 

Market Valae. Loaned Thereon. 

11,297 22 1600 00 

6,000 00 5,000 00 

2,260 00 1,600 00 



19,547 22 $7,100 00 



98 



WORCESTER MUTUAL FIRE INSURANCE CO. 



Summary of Assets Dec. 31, 1896. 



Cash value of unencumbered real estate, 
Loans on moitgage of real estate (first liens •), 
Interest due or accrued thereon, . • 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
All other cash loans, .... 
Cash in the office of the company and bank, 
Interest due and accrued, .... 
Premiums in course of collection (gross). 
Rents due and accrued, .... 
Gross assets, 



185,000 00 

862,706 00 

6,762 93 

198,800 00 

7,100 00 

2,976 00 

84,957 87 

2,945 07 

9,386 97 

1,173 80 



1706,807 14 



Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Profits or surplus on terminated policies, unpaid, 
Commissions and brokerage, . 

Gross liabilities, .... 



Net cash assets, 



fl,760 00 

286,939 74 

316 29 

2,869 69 

2,882 03 



294,757 76 
1412,049 89 



Income. 

Premiums outstanding Dec. 31, 1895, . . 19,03162 

Premiums on risks written or renewed, . , 144,900 76 

Total, . . . . . . . f 153,932 38 

Premiums now in course of collection, . . 9,386 97 

Entire premiums collected, .... $144,545 41 
Less reinsurance and return premiums, . . 6,732 07 

Net cash premiums received, .... $137,813 34 

Received for extra premiums, 1,324 63 

Interest received on mortgages and dividends from all sources, 27,776 23 

Rents, 7,664 16 

Gross cash income, 1174,677 36 



Expenditures. 

Cash paid for losses, 

Deduct salvage and reinsurance. 

Net cash paid for losses, 

Cash paid as profits on terminated policies, . 



f43,167 46 

100 00 



f 43,067 46 
77,269 31 



* Value of lands mortgaged, $232,260 00 

Value of buildings thereon, 495,200 00 

Amount of insurance held as collateral, .... 862,900 00 



WOBGESTER MUTUAL FIRE INSURANCE GO. 



99 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 
for repairs on real estate, 



tl8,652 33 

13,263 37 

4,091 86 

6,676 07 

311 61 



Gross cash expenditures, 1162,220 61 



Risks and Premiums. 



Cash Prem'i.^ Contlng't Pram's. 



Amoont. 

Risks outstanding Dec. 31,1896,139,984,281 00 #^9,106 36 t689,106 36 
Risks written during 1896, . 10,091,233 00 144,900 76 144,900 76 



Total, . . . .160,076,614 00 f 734,006 12 t734,006 12 

Risks terminated during 1896, . 9,006,727 00 136,070 20 136,070 20 



In force at end of year, . . 141,068,787 00 1698,936 92 t698,936 92 



Miscellaneous. 

Losses inciirred during the year, $38,614 00 

Profits or surplus returned during 1896, 25, 60 and 70 per cent. 



AGOBEGATE. 



Gross present assets. 



Gross present liabilities, .... 

Income. 
Cash received for premiums during the year, 
for mter^st and diriaends, . 
for assessment on deposit not«s, 
for rents, .... 
from all other sonrces, . 



Gross cash income. 



Expenditures. 

Cosh paid for losses, 

for brokerage and commission on premiums, 
for salaries and fees of officers and employees, 
for interest on borrowed money, . 
for State and local taxes, . 

forrenis, 

for return of profits or surplus, . 
for dividends on guaranty capital, 
for all other expenditures, . 



Total expenditures, ..... 

General Items. 
Kishs written during the year, .... 
terminated diulng the year, 
outstanding at end of year. 
Amount of contingent premiums received thereon, 
of losses incurred during the year, 
of permanent fund, .... 



fI50,OOC 

110,483,302 

15,297,677 

f5,140,3g3 
407,621 

63,393 
27,4J5 

17,823 



16,656,675 



♦1,557,302 
342.193 
312,993 



f624,202,44S 

530,460,04'! 

839,252,547 

23,347,4.s; 

1,292,.™ 

4,195,75*: 



MASSACHUSETTS 



Mutual Fire-Marine Insurance Companies. 



Detailed Statement of Assets and Liabilities, with Abstkact 
OF Annual Statements for the Year ending 

December 31, 1896. 



102 CHINA MUTUAL INSUBANCE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



Par Valn^. 


Market Yaloe. 


f 10,000 00 


111,200 00 


10,000 00 


10,838 00 


10,000 00 


14.900 00 


10.000 00 


10,000 00 


10,000 00 


13,>J50 00 


7,600 00 


13,276 00 


10,000 00 


9,400 00 


25,000 00 


44,405 00 


6.000 00 


12,540 00 



CHINA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 80, 1863. Ctommenoed baalneai Oct. 1, 1863.] 
BDMUND A. POOLS, Pretidtnt, WILLIAM H. LORD, Seerttarv. 

Office, 70 Kilby Street, 
Detailed Statement of Stocks, Bonds, etc. 

100 shares Commerce National Bank, 

100 ** Hide and Leather National Bank, 

100 « New England National Bank, 

100 '* North National Bank, . 

100 '' Republic National Bank, 

75 " Old Colony Railroad, 

100 " Fitchburg Railroad, 

250 ** New York.Ne w Haven & Hart R.R., 

60 " Boston & Albany R.R., , 

$98,500 00 f 140,408 00 

Summary of Assets Dec. 31, 1896. 

Stocks, bonds, etc., as per schedule, . . . tl'^0,408 00 

Loans on collateral security, .... 6,853 03 

Cash in the office of the company, . . . 1,657 30 

Cash deposited in bank, 52,288 78 

Premiums in course of collection (gross), . 60.162 95 

Bills receivable taken for marine risks, . . 68,780 81 

Reinsurance, etc., 1,540 00 

Gross assets, $320,690 87 

Liabilities. 
losses adjusted and reported, .... $90,000 00 

Unearned premiums on outstanding risks, . 126,569 03 

Unpaid scrip ordered to be redeemed, . . 60 00 

Commissions and brokerage, .... 2,500 00 

Gross liabilities, except scrip, . • . — 219,129 03 

Surplus as regards policy holders. flO^t^^^ ^^ 

Scrip outstanding, not ordered to be redeemed, . . . 606,090 00 

Impairment of scrip reserve, ..•••• $404,528 16 



CHINA MUTUAL INSURANCE CO. 



103 



Income. 

Marine preminms outstanding Dec. 31, 1895, . 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiams collected, .... 
^s reiosuraDce and return premiums, . 
Net cash marine premiums received, . . — 
Interest and dividends received from all sources, . 



tlll,596 09 
376,066 82 

t487,652 91 
118,943 76 

t368,709 15 
66,927 33 



f 301, 781 82 
6,374 29 



Gross cash income, f 308,156 11 



Expenditures. 

Cssh paid for marine and inland losses, . . f 258,809 08 
Deduct salvage and reinsurance, . . . 38,583 13 

Ket cash paid for marine and inland losses, . 

Interest paid scrip holders, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, 



$220,225 95 
15,182 70 
23,164 38 
15,400 00 
2,802 54 
12,469 64 



Gross cash expenditures, t289,245 21 



Risks and Premiums. 



Marine risks outstanding Dec. 81, 1895, . . f 6,106,998 00 
Marine risks written during 1896, . . . 18,376,43100 



Premlomi. 

$190,145 74 
376,056 82 



Total, 

I^ednct risks expired and terminated, 



In force at end of year, . 
Deduct amount reinsured. 



. $24,483,429 00 $566,202 56 
. 18,588,122 00 351,122 90 



$5,895,307 00 $215,079 66 
366,404 00 23,461 66 



Ket amount in force, 



. $5,528,903 00 $191,618 00 



Miscellaneous. 



IVeminms received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year. 



$16,680,411 00 
. 11.870,959 00 
. 241,072 00 



104 



INDIA MUTUAL INSURANCE CO. 



INDIA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated March 29, 1867. Commeoced basineM May 2, 1867.] 

QUABAKTT FUVD PAID UP IN NOTXB, $140,000. 

H. B. ALDBN, Pretideni, QEO. H. CROWELL, Secretary, 

Office, 107 Water Street 



Detailed Statement op Stocks, 



New York & New England R.R. bonds, . 
150 shares Old Colony Railroad, 

80 
125 

60 

63 

50 

20 

40 

10 

10 



u 



ct 



t( 



It 



*t 



tt 



ct 



u 



Boston & Maine R.R., . 

West End R.R., 

Chicago, Barl. & Quincy R R., 

New England R.R., 

New York, New Haven & Hart. R.R 

FitchburgRR 

National Webster Bank, . 
Hamilton National Bank, 
Everett National Bank, . 



Company's own scrip. 



. f5,801 00 



Bonds, etc. 

Par Value. 

f 5,000 00 
15,000 00 
8,000 00 
6,250 00 
6,000 00 
6,300 00 
5,000 00 
2,000 00 
4,000 00 
1,000 00 
1,000 00 



Market Valne. 

15,950 00 

26,700 00 

13,200 00 

10,750 00 

3,600 00 

4,095 00 

8,900 00 

1,880 00 

4,010 00 

1,060 00 

800 00 



158,550 00 180,975 00 



Summary of Assets Dec. 31, 1896. 



Stocks and bonds, as per schedule, . . . 
Cash in tlie office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross). 
Notes taken for marine and inland risks. 
Subscription notes on time, not exceeding 

twelve months, not yet due, 
Prem's more than three mos. due, . f 37 50 
Gross assets, 



180,975 00 

1,300 31 

2,644 52 

5,327 92 

676 00 

140,000 00 



1230,823 75 



Liabilities. 

Losses claimed and reported, . . . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks. 
Interest due or accrued on scrip, ' . ' . 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Reinsurance, 

Gross liabilities, except guaranty fund. 



12,707 34 

1,030 28 

24,755 21 

259 91 

125 28 

958 94 

69 41 



29,906 82 



Surplus as regards policy holders, f 200,917 43 



I>*DIA MUTUAL INSURANCE CO. 



105 



Guaranty fund $140,000 00 

Scrip outstanding, not ordered to be redeemed, 150,471 00 



$290,471 00 



Impairment of scrip reserve, 1^9,558 57 



Income. 
Fire premiums outstanding Dec. 81, 1895, 
Premiums on risks written ur renewed. 



Total, 

Premiums now in course of collection, 



t8,387 88 
51,055 48 

•54,442 81 
5,365 42 



Entire premiums collected, .... 

Less reinsurance and return premiums, . 

^et casli fire premiums received^ . . . - 

Marine premiums received, 

Intereiit and dividends received from all sources, . 
Income from rents, etc., 



149,077 39 
6,327 81 



142,750 08 

23 64 

8,856 67 

673 00 



Gross cash income, t46,803 39 



Expenditures. 
Cash paid for fire losses, 

Muct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . • 

Deduct salvage and reinsurance, 

Ket cash paid for marine and inland losses, . 

Cash dividends paid, 

Interest paid scrip holders, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, 



tl5,566 68 
209 65 

tl38 51 
12 91 



Gross cash expenditures. 



$15,357 08 



125 60 
2,800 00 
3,064 01 
7,601 84 
5,100 00 

165 87 
2,661 78 



Risks and pREsnuMS. 
Fire risks outstanding Dec. 31, 1895, . . $2,185,099 00 
Fire risks written during 1896, . . . 4,186,955 00 



Total 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force. 



16,372,054 00 
2,826,823 00 

$3,545,231 00 
112,235 00 



$36,875 58 

Premlami. 

$28,008 03 
51,055 43 

$79,063 46 
32,071 99 

$46,991 47 
909 68 



$3,432,996 00 (46,081 79 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 



$3,531,583 00 

2,552,781 00 

14,205 00 



AGGREGATE. 



Whole amount of guaranty fund, in subscription notes, 
Whole amount of outstanding scrip not cancelled, 



Gross present assets. 



Assets. 



Liabilities. 



Gross present liabilities. 



Income. 
Cash actually received for fire premiums, , 
actually received for marine premiums, 
for interest and dividends from all sources, 
from all other sources, .... 



Gross cash income. 



Expenditures. 

Cash actually paid during the year for fire losses, 

actually paid during the year for marine losses, 
for broKerage and commissions on premiums, 
for salaries and pay of officers and employees, 

for State and local taxes 

for office agency and incidental expenses, . 

Interest paid scrip holders, 

Divideucls paid on subscription notes, . 



Gross cash expenditures. 



Miscellaneous. 
Whole amount of fire risks written during the year, 
premiums charged or receivable thereon, 
marine risks written during the year, 
premiums charged or receivable thereon, 
fire risks terminated during the year, 
marine risks terminated during the year, 
fire risks outstanding at end of year, 
marine risks outstanding at end of year, . 
fire losses incurred during the year, 
marine losses incurred during the year, . 



$140,000 00 
666,661 00 



1661,616 00 



$249,036 00 



$42,760 00 

301,805 00 

9,731 00 

673 00 

$364,969 00 



$16,357 00 

220.352 00 

30,766 00 

20,500 00 

2,968 00 

15,131 00 

18,247 00 

2,800 00 

$326,121 00 



$4,186,966 00 

51,066 00 

18,376,431 00 

376,067 00 

2,826,823 00 

18,588,122 00 

3,432,996 00 

6,628,908 00 

14,206 00 

241,072 00 



MASSACHUSETTS 

JOINT-STOCK FIEEj MARINE AND FIRE-MARINE 

INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 
OF Annuax Statements for the Tear ending 

December 81, 1896. 



AMEBICAN INSUBAKCE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



AMERICAN INSURANCE COMPANY. BOSTOS. 

[iDCOtporslwl Jan* 13, 1818. CommoDced buBlnsH Jam IS, 181S.] 
P^iD-np CiFiTUv $300,000. 
FRANCIS FEARODT, Friildtjil. HBKRY B. BBAIT, Stct 

Office, 30 KHhy Street. 
Detailed Statsment of Stocks and Bonds. 



S33 Bbai-es Old Boston National Bank, 
200 " Columbian National Bank, 
45 ** National Ktig\e Bank, 
170 " Globe National Bank, . 
142 " Hamilton National Bank, 
62 " New England National Bank, 
66 " Suffolk National Bank, . 
153 " State National Bank. 
280 " National Union Bank. , 
100 " Mercliants' National Bank, 
28 " Tremont National Bank, 
69 " Wushington Nationnl Bank, 
678 " Boston & Albany Railroad, 
13 " Boston & Lowell Railroad, 
200 " Old Colony Railroad, . 

8 " Merrimack Manufacturing Co., 
Chicago, Burlington & Quincy R R, Uonds, 
Eastern Railroad bonds, .... 
Chicago. Milwaukee & St. Paul RR. bonds, 
Cincinnati, Ind., St. Louis & Ciiic. R.R. bonds, 
Massaciiusetts Stat« bonds, . , 
United States bonds 



J22,2O0 00 
20.000 00 
4,500 00 
17,000 00 
14,200 00 
6,200 00 
6,600 00 
15,200 00 
28,000 00 
10.000 00 
2,800 00 
6,900 00 



57,fi 



00 



6.500 00 
20,000 00 

8,000 00 8,800 00 

60,000 00 46,600 00 

20.000 00 23,000 00 

25,000 00 29,500 00 

40,000 00 38.800 00 

18,000 00 18,720 OO 

6,000 00 7,200 00 

9404,900 00 1608,166 00 



Securities bold as collateral for cash loans : — 
200 shares Essex County Building Co., . 

SoHUART OF Assets Dec. Si, 1896. 

Stocks and bonds, as pur schedule, . , . 1508,165 00 
Loans on. collateral security, as per schedule. . 16.000 00 

Cush in (he oflicc of the company. . . . 1,921 97 



AMERICAN INSURANCE CO. 109 

Cash deposited in bank, . . . . . $25,678 15 

Interest doe and accrued, 2,379 10 

Premiums in course of collection (gross), . 26,216 78 
Preixi''s more than three mos. due, . $618 40 

Gross assets, $579,360 95 

Liabilities. 
Losses adjusted, unpaid, ..... $12,945 62 
Losses claimed and reported, . . . . 14,416 52 

Total amount of losses, (27,362 14 

Less reinsurance, 449 69 

Net amount of unpaid losses, .... $26,912 45 

Unearned premiums on outstanding risks, . 139,258 66 

Due and accrued for rent, salaries, etc., . . 1,348 42 

Reinsurance disallowed, 250 00 

State and local taxes, 69 83 

Commissions and brokerage, .... 4,656 63 

Return premiums and reinsurance, . . . 5,104 98 

Gross liabilities, except capital, . . . 177,600 97 

Surplus as regards policy holders, $401,759 98 

Paid-up capital, 300,000 00 

Surplus over capital, $101,759 98 

Income. 

Fire premiums outstanding Dec. 81, 1895, . $20,753 58 
Same not collected, 307 01 

Net collected $20,446 57 

Premiums on risks written or renewed, . . 269,812 90 

Total, $290,259 47 

Premiums now in course of collection, . . 26,523 12 

Entire premiums collected, .... $263,736 35 
Less reinsurance and return premiums, . . 56,162 71 

NeC cash fire premiums received, . . . $207,573 64 

Additional premiums received, 2,105 70 

Interest and dividends received from all sources, . . . 22,852 08 

Profit on sale of bank stock, 112 66 

Gross cash income, $232,644 08 

Expenditures. 

Cash paid for fire losses, $136,908 70 

Deduct salvage and reinsurance, . . . 12,065 46 

2Jet cash paid for fire losses, .... $124,848 24 

Cash dividends paid, 18,045 00 



110 



BOSTON MABIKE INSUBANCE CO. 



Casb paid for commissions nnd brokerage t43,749 33 

for salnries of officers and employees, . . . 19,384 55 

for State and local taxes 6325 4S 

for rent and incidentals, 15,248 30 

Gross cash expenditures, f 228,095 89 



RlBKS AND PkEHIUUS. 



Fire risks outstanding Dec. 31, 1695, 
Fire risks writteQ during 1896, 



Tolftl 

Deduct risks expired and tenninated, 



In force at end of year, . 
Deduct amount reinsured. 



.(32,107,531 00 $368,156 56 
. 24^7,670 00 269,812 90 



. 156,665,201 00 $637,969 46 
. 26340,339 00 299,769 01 



. $29324,862 00 $338,200 45 
. 4,672,226 00 63,142 06 



Net amount in force, . 



. $25,152,636 00 $285,058 39 



MiSCELLANEODS. 

Premiums received from organization of company, . $11,722,309 00 

Losses paid from organizalion of company 8,144,107 00 

Fire Iosacs incurred during the year, 128,561 00 

Coflb dividends declared from organization of company, , 2,797,500 00 

Dividends declared during the year (6 per cent.), . . . 18,000 00 

Company's stock owned by directors 47,100 00 



BOSTON MARINE INSURANCE COMPANY. BOSTON. 

(Ineaiparmlwl D«. 23, IBTS. ConiDieoeed biulnau JaD. 30, imt.) 

Paid-cp Capital, (l.OOO.goo. 
. FDLLBR. FreUdtnt. THOMAB H. LORD, Stirttorf. 

Office, 95 Eilby Street. 
Detailed Statement of Stocks and Bonds. 



|t'»iLon city bonds 

(Ilili-iigii, Jturlington & Quincy R.R. bonds, 
(lri'K"n Short Line Railroad bonds. , 
l^iiiiNvillii, Evansville & St, L.ouis R.R. bonds, 
|-itf;lib<irg Kallroad bonds, 
tV I <'-<»■ h In Ontral Railrond bonds, . 
I.'ffi'di I'acldc, Lincoln ft Col. Railroad bond) 
A>' li., Topuka ft Santa F6 R.R bonds, . 
'J ■il'it'i, hi. [.uuiii & Kansas City R.R. bonda. 



10,000 00 
2,000 00 
26,000 00 
20,000 00 
25,000 00 
66,000 DO 
20,000 00 



11,100 00 
8,000 00 

27,000 OO 
7,800 00 
6,000 00 

67,420 00 



13.& 



I 00 



BOSTON MABINE INSURANCE CO. 



Ill 



P&r Valoe. 

Brookline Gas Light CompaDy bonds, . . $25,000 00 

Newton city bonds, 26,000 00 

West Shore Railroad bonds, .... 5,000 00 

Boston & Lowell Railroad bonds, . . . 25,000 00 

Oregon Short Line & Utah No. R.R. stock, . 5,000 00 

Chicago, Burlington & Quincy Railroad stock, 54,000 00 

Iron Railway Company stock, .... 29,700 00 

Ateh., Topeka & Santa F6 R.R. stock, , . 56.500 00 

Manchester Mills stock, . . . . . 20,000 00 

Boston & Albany Railroad stock, . . . 20,000 00 

Boston & Lowell Railroad stock, . . . 10,000 00 

Fitchburg Railroad stock, .... 25,000 00 

Pullman Palace Car Company stock, , . 12,000 00 

Connecticut & Passnmpsic Railroad stock, . 5,000 00 

Atlantic Bank stock, 10,000 00 

Atlas Bank stock, 10,700 00 

Beverly Bank stock, ...,,, 13,000 00 

Brookline Bank stock, 10,000 00 

Columbian Bank stock, 12,000 00 

Commercial Bank stock, 36,500 00 

Continental Bank stock, 20,000 00 

Eagle Bank stock, 15,200 00 

Eliot Bank stock, 80,000 00 

Exchange Bank stock, 10,000 00 

First Bank stock, 10,000 00 

First Bank, Salem, stock, 10,000 00 

Freeman^s Bank stock, 20,000 00 

Globe Bank stock, 15,000 00 

Grand Bank, Marblehead, stock, . . . 1,700 00 

Hamilton Bank stock, 10,000 00 

Hide and Leather Bank stock, .... 11,000 00 

Howanl Bank stock, 10,000 00 

Lincoln Bank stock, 16,600 00 

Mercantile Bank, Salem, stock, , . . 10,000 00 

Merchants' Bank stock, 23,000 00 

Merchants^ Bank, Salem, stock, . . , 5,000 00 

l^aumkeag Bank, Salem, stock, . . . 10,000 00 

New England Bank stock, .... 15,000 00 

North Bank stock, 10,000 00 

Old Boston Bank stock, 10,000 00 

Railroad Bank, Lowell, stock. .... 5,000 00 

Repnblic Bank stock, 15,000 00 

Revere Bank stock, 20,000 00 

Second Bank stock, 20,000 00 

State Bank stock, 29,500 00 

Suffolk Bank stock, 6,700 00 

Tremont Bank stock, 5,000 00 



Market Yalae. 

125,000 00 
26,750 00 

5,350 00 
26,250 00 
750 00 
87,530 00 
14,850 00 
12,995 00 
20,400 00 
41,800 CO 
20,500 00 
23,500 00 
18,240 00 

7,150 00 
10,800 00 
12,184 68 
18,167 50 
12,000 00 
11,520 00 
29,200 00 
20,000 00 
11,894 00 
36,675 00 
12,500 00 
23,375 00 

8,925 00 
17,400 00 
12,600 00 

2,040 00 
10,600 00 
11,921 25 

8,750 00 
12,460 00 
10,375 00 
32,660 00 

6,725 00 
13,000 00 
22,350 00 
10,000 00 
10,600 00 

6,550 00 
20,775 00 
16,060 00 
35,425 00 
31,933 75 

7,169 00 

4,100 00 



$1,127,100 00 $1,093,440 13 



BOSTON UABINE IKSURANCE CO. 



Secarities held rs collateral for cosh loans: — 



800 shares Cobb Lime Co., 

25 " Boston & Bangor S.S. Co., 
Lynn city bonds 


J48,000 00 
4,450 00 
1,000 00 
3,150 00 

t56,600 00 

31, 1896. 

^26.200 00 

998,950 00 

6,311 40 

1,093,440 13 

30,550 00 

216,187 96 

4,371 83 

154.479 97 

180,028 17 


»25,000 00 

2,000 00 

750 00 

2,800 00 


SOMMARr OF AS3ET9 DEC 

Cash ralue of unencumbered real estate, 
I<oans on mortgage of real estate (first liens •) 
Inlerent due or accrued thereon. 
Stocks nnd bands, as pur schedule, . 
Loans on collateral security, aa per schedule, 
Cash deposited in bunk, .... 
Interest due and accrued, . . ■ . 
Premiums in course of collection (grass), 
Koles taken for marine and inland risks. 
Gross assets 

Liabilities. 
Losses adjusted and reported, . 
Unearned premiums on outstanding risks. 
Commissions and brokerage, . 
Gross liabilities, except capital. 

Surplus as regards policy holders, . 


130,550 00 

♦2.710,519 46 

657,492 73 
•2,163.026 74 


1187,015 00 
853,899 67 
17,578 05 






1136,760 94 
26,640 19 




Surplus over capital 

Income. 
Premiums on risks written or renewed, . 
Premiums now in course of collection, . 


11,153,026 74 


Entire premiums collected, . 

Less reinsurance and return premiums, . 

Net cash fire premiums received. , 


1110,120 15 
8,188 96 


f 101,931 19 


1363,690 36 

887,386 69 

»I,251,057 05 

307,867 95 

?9 13,189 10 
110,662 88 


Total 

Premiums now in course of collection, . 

Entire premiums collected. . 

Less reinsurance and return premiums, . 

Net cash marine premiums received. 


832.626 32 




Aiii<iiiDlDtlD«iiniiMb>ldui»IIu«nil, . 


. . . »1.«S,HWM 
. . . SlT.UiOO 



BOSTON MARINE IN8URA^C£ GO. 



113 



Interest received on mortgages, }4 1,243 69 

Interest and dividends received from ail other sources, . . 68,016 49 



Gross casli income, • 



|l,('3:i,8l7 69 



EXPENDITITRES. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, ... 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and reinsurance. 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 



1 13,659 86 
1,845 61 

1839,898 19 
115,185 37 



Gross cash expenditures, 



$11,814 25 



724.712 82 

100,000 00 

61,262 07 

69,822 16 

7,911 02 

104,083 16 

f 1,069,605 48 



Risks and Pkemiums. 



Fire rislis written during 1896, 
Dednct risks expired and terminated, 

In force at end of year, . . . 
Deduct amount reinsured, 

Net amount in force, 

l^larine risks outstanding Dec. 31, 1895, 
Marine risks written during 1896, . 



Total, . . . 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, 



.112,935,465 00 
. 2,422,925 00 



Premiams. 

J136,760 34 
21,194 70 



.$10,512,540 00 $115,565 64 
728,590 00 7,835 70 



. $9,783,950 00 $108,229 94 

. $9,420,120 00 $606,005 58 
. 68,899,178 00 887,366 69 



.$68,319,298 00 $1,493,372 27 
. 61,156,471 00 1,000,598 73 



. $7,162,827 00 $492,773 64 
311,473 00 16,970 66 



. $6,861,354 00 $475,802 98 



Miscellaneous. 

Premiums received from organization of company. 

Losses paid from organization of company, . 

Fire losses incurred during the year. 

Marine and inland losses incurred during the year. 

Cash dividends declared from organization of company 

Diviilend^ deHared during the year (10 per trcnt.), 

Company'^ fctock owned by directors, 



$25,348,102 00 
17,867,195 00 
16,970 00 
799,254 00 
1,830,000 00 
100,000 00 
106,100 00 



114 



firemen's fire insurance CO, 



FIREMEN'S fire INSURANCE COMPANY, BOSTON. 

[Incorporated Deo. 21, 1872. Oommenoed baetneaa Dec. 80, 1872.] 

Paid-up Oapxtal, $400,000. 
THOliAS W. TUCKKB, Pretident. HENRY 0. SHORT, Secretary. 

Office, 43 KUby Street. 



Detailed Statement of Stocks 



Boston city bonds, 

Fall River city bonds, 

Lawrence city bonds, 

Qaincy city bonds, . 

Haverhill city bonds, 

Brookline town notes. 

Eastern Railroad bonds, 

Taunton city bonds, . 

Boston & Providence Railroad bonds. 

Old Colony Railroad bonds, 

Boston & Maine Railroad bonds, 

Boston & Lowell Railroad bonds, 

Boston & Albany Railroad bonds, 

Maine Central Railrbad bonds, 

Fitchbarg Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Kan. City, St. Joseph & C. Bluffs R.R. bonds, 

Chicago, Burlington & Northern R.R. bonds. 

Cedar Rapids, Iowa Falls & No. W. R.R. bonds 

St. Paul & North Pacific Railroad bonds, 

Jackson, Lansing & Saginaw R.R. bonds, 

200 shares City National Bank, 

200 

200 

53 
200 
103 
200 

12 
284 



Hamilton National Bank, 
Eagle National Bank, 
Webster National Bank, 
Revere National Bank, 
Atlas National Bank, 
Boston National Bank, 
Old Boston National Bank, 
Atlantic Cotton Mills stock. 

Loan to Arlington Mills, . 

Loan to Cabot Manufacturing Co., . 

Loan to Cocheco Manufacturing Co., 

Loan to Merrimack Manufacturing Co., 



tc 



tc 



tc 



tc 



ct 



(t 



AND Bonds. 

Par Value. 
160,000 00 

30,000 00 
20,000 00 

8,000 00 
10,000 00 
18,000 00 
22,600 00 
80,000 00 
25,000 00 
20,000 00 
10.000 00 

1,000 00 
25,000 00 
10,000 00 
25.000 00 
25.000 00 
20,000 00 
25,000 00 
25,000 00 
80,000 00 
10,000 00 
20,000 00 
20,000 00 
20,000 00 

5,300 00 
20,000 00 
10,800 00 
20,000 00 

1,200 00 
28,400 00 
25,000 00 
25,000 00 
25,000 00 
80,000 00 



Market Valoe. 
$64,150 00 

81,950 00 
21,000 00 

8,840 00 
10,500 00 
18,450 00 
26,662 50 
82,100 00 
26,500 00 
21,000 00 
10,425 00 

1,046 25 
26,250 00 
10,125 00 
25,843 75 
24,000 00 
28,700 00 
25.781 25 
25,625 00 
37,200 00 
10,200 00 
14,300 00 
21,200 00 
15,650 00 

5,319 88 
16,050 00 
11,729 12 
17,650 00 

1,272 00 
19,241 00 
25,0 00 
25,000 00 
25,000 00 
80,000 00 



Securities held as collateral for cash loans : — 
1 share Pacific Mills stock, .... 



$699,700 00 $707,760 75 



Maricet Valne. Loaned Thereon. 
$1,890 00 $1,000 00 



firemen's fibe insurance CO. 



115 



Summary of Assets Dec. 

Loans on mortgage of real estate (first lieos *), 
Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Loans on collateral secnrity, as per schedule, 
Cash in the office of the company, • 
Cash deposited in bank, .... 
Interest doe and accrued, .... 
Premiums in course of collection (gross), 
Salvage due (since received), . 
Prem's more than three mos. due, . (227 23 
Gross assets, 



31, 1896. 

$146,200 00 

1,510 44 

707,760 75 

1,000 00 

411 82 

23,121 74 

7,415 88 

9,657 05 

230 14 



(897,307 32 



Liabilities. 



Losses adjusted, unpaid, . 
1x>>ses claimed and reported, . 



Total amount of losses. 
Less reinsurance. 



Net amount of unpaid losses. 
Unearned premiums on outstanding risks, 
DiTidenda to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
State and local taxes, .... 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Beinsurance disallowed, .... 
Gross liabilities, except capital. 



$1,344 36 
4,208 66 

(5,553 02 
399 56 



(5,153 46 


187,083 97 


152 00 


1,750 00 


500 00 


1,905 38 


500 00 


113 93 



Sarplns as regards policy holders. 
Paid-up capital, 



Surplus over capital. 



147,168 74 

$750,148 58 
400,000 00 

$350,148 58 



Incomb. 

Fire premiums outstanding Dec. 31, 1895, 
Same not collected, 



Net collected, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash fire premiums received. 



$12,018 63 
1 50 

(12,017 18 
105,147 85 

$117,164 98 
9,884 28 

$107,280 70 
17,817 48 



$89,463 22 



• Valoe of lands mortgafed, . 
Yaloe of boildlDgB Uiereon, . 
AmonDt of Insnrmoee held u oollcteiml, 



$296,900 00 
180,000 00 
248,600 00 



IIG 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 



$7,807 66 
30,092 58 



Gross cash income, (127,363 46 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 
Ket cash paid for fire losses, .... 
Cash dividends paid, ..... 
Cash paid for commissions and brokerage, 

for salaries of ojfficers and employees, 

for State and local taxes, 

for rent and incidentals, . 



$49,632 70 
8,977 87 



$45,654 83 

31,960 00 

12,930 29 

16,175 00 

4,734 78 

9,049 24 



Gross cash expenditures, $120,504 09 



Risks and Premiums. 



Fire risks outstanding Dec. 81, 1895, 
Fire risks written during 1896, 

Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount rein.sured. 

Net amount in force, . 



Miscellaneous 

Premiums received from organization of company. 

Losses paid from organization of company, 

Fire losses incurred during the year. 

Cash dividends declnred from organization of company 

Dividends declared during the year (8 per cent.), . 

Company's stock owned by directors. 



$39,294,790 00 
12,084,147 00 

$51,328,937 00 
15,657,575 00 

$35,671,362 00 
1,079,463 00 



Premlmxis. 
$366,145 44 
105,147 8.7 

$471,293 29 
141,308 91 

$329,984 38 
9,196 23 



$34,591,899 00 $320,788 15 



$3,053,775 00 

1,561,348 00 

39,891 00 

709,000 00 

82,000 00 

25,100 00 



MERCANTILE FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 11, 1823. Commenoed bnetnees May, 1828.] 

Paid-up Capital, $400,000. 
GEO. R. ROOEliS, PrenidenL JAMSS SIMPSON, Secrttaty. 

Office, 47 KUby Street. 



Detailed Statement of Stocks and Bonds. 

Par Yaloe. 

100 shares Atlantic National Bank, . . . $10,000 00 
200 " City National Bank, . . . 20,000 00 

200 " Columbian National Bank, . . 20,000 00 



Market Tahie. 
$10,800 00 

14,300 (K) 

19,200 00 



HERCAimLE FIRE AND MARINE INSURANCE GO. 



117 



St 4 shares Eagle National Bank, 



300 
120 
160 
200 

18 
178 
856 
100 
200 
200 
100 
100 

35 



>( 



>• 



•« 



u 



u 



u 



M 



M 



Globe National Bank, 
Hamilton National Bank, 
New England National Bank, 
North National Bank, 
Railroad National Bank,. 
State National Bank, 
Suffolk National Bank, . 
Trcraont National Bank, 
Union National Bank, 
Boston & Providence Railroad, 
Chicago. Burlington & Quincy R.R. 
Lyman Mills, .... 
Oregon Railway & Navigation Co. 

Boston city bonds, 

Union Pacific, Lincoln & Colorado R.R. bonds, 

Kansas City, Fort Scott & Memphis R.R. bonds, 

Oregon Railway & Navigation Co. bonds, 

Chicago, Burlington & Quincy R.R. bonds. 

Concord & Montreal Railroad bonds, 

Old Colony Railroad bonds. 

City of Cambridge bonds, 

City of Providence bonds, 

Boston & Albany Railroad bonds, . 

Boston & Ix>well Railroad bonds, . 

City of Lowell bonds, 

Boston & Maine Railroad bonds. 

City of Taunton bonds, . 

Old Colony Railroad bonds, * . • . 

Fitchburg Railroad bonds, 

Norwich & Worcester Railroad bonds, 



Par Value. 
$21,400 00 

80,000 00 

12,000 00 

16,000 00 

20,000 00 

1,800 00 

17,800 00 

35,600 00 

10,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

8,500 00 

10,000 00 

20,000 00 

5,000 00 

2,000 00 

1,000 00 

10,000 00" 

10,000 00 

5,000 00 

10,000 00 

15,000 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

12,000 00 

2,000 00 

5,000 00 



Market Value. 

f 16,745 00 

25,200 00 

12,600 00 

23,840 00 

20,000 00 

2,880 00 

19,268 00 

88,092 00 

8,200 00 

26,050 00 

51,600 00 

7,000 00 

8,200 00 

1,225 00 

10,650 00 

4,900 00 

4,125 00 

1,600 00 

987 00 

10,450 00 

10,525 00 

5,825 00 

11,100 00 

15,675 00 

5,200 00 

5,400 00 

10,450 00 

5,400 00 

12,060 00 

2,010 00 

5,025 00 



$410,100 00 $425,582 00 



SUKMART OF ASSETS DeC. 

I^ans on mortgagee of real estate (first liens *), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cosh deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, . . ' . 



81, 1896. 

$108,500 00 

1,014 45 

425,582 00 

1,111 47 

45,744 10 

1,540 42 

24,857 40 



$607,849 84 



• Value of laoda mortgaged, $116,200 00 

Vala« of bnlldinga thereon, 104,000 00 

Amount of Inaaraoee held aa collateral 111,700 00 



118 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and aeomed for rent, salaries, etc., . 
State and local taxes, .... 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital, 



$11,882 00 

148,160 30 

467 64 

87 66 

8,034 37 

2,562 40 

804 77 



Surplus as regards policy holders, 
Paid-up capital. 



$166,449 14 

$441,400 70 
400,000 00 



Surplus over capital, $41,400 70 



Income. 

Fire premiums outstanding Dec. 81, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected. 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 
Marine premiums outstanding Dec. 81, 1895, 
Premiums on risks written or renewed, . 
Net cash marine premiums received. 
Interest received on mortgages. 



$22,730 67 
237,026 29 

$259,756 96 
24,.S57 40 

$235,399 56 
54,383 83 

$82 74 
200 19 



Interest and dividends received from all other sources, . 



$181,015 73 



282 93 

3,512 89 

18,312 90 



Gross cash income, $203,124 45 



Expenditures. 

Cash paid for fire losses, ..... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 



$91,132 72 
24,198 CK) 
40,848 29 
18,667 00 
4,679 47 
16,498 66 



Gross cash expenditures, $196,024 14 



NORTH AMEBIGAN mSUBAKGE GO. 



119 



Bisks and PREMirMS. 



Fire risks oatstaDding Dec. 81, 1895, 
Fire risks written during 1896, 



. $29,089,963 00 
. 21,642,158 00 



Premlnmt. 

$325,120 38 
287.026 29 



Total 150,782,116 00 $562,146 67 

Deduct risks expired and terminated, .' . 20,478,849 00 230,878 49 



In force at end of year (80,258,267 00 (881,768 18 

Deduct amount reinsured, .... 8,270,771 00 86,577 86 



Ket amount in force, (26,982,496 00 $295,190 82 



Marine risks written during 1896, . 
Deduct risks expired and terminated. 



$5,000 00 
$5,000 00 



(200 19 
$200 19 



Miscellaneous. 

Premiums received from organization of company. 

Losses paid from organization of company, . 

Fire losses incurred during the year, ... 

Cash dividends declared from organization of company. 

Dividends declared during the year (6 per cent.), . 

Company's stock owned by directors 



(8,401,119 00 

5,801,769 00 

77,555 00 

2,220,720 00 

24,000 00 

11,200 00 



NORTH AMERICAN INSURANCE COMPANY, BOSTON. 

[IncorponUed December, 1878. Commenoed baalDeee Jan. 1, 1878.] 

Paid-ttf Capital, $200,000. 
BILAS PEiaCE, lYMidmt, CHARLES B. MACULLAR, Secrttary. 

Office, 69 Kiiby Street. 



Detailed Statement of Stocks and Bonds. 

Par Valne. 

$15,000 00 

5,000 00 

5,000 00 

4,000 00 

6,000 00 

12,000 00 

7,000 00 

5,000 00 

4,000 00 

10,000 00 

13,800 00 



United States bonds, 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Chicago, Burlington & Quincy R.R. bonds. 

Northern Pacific R.R. bonds, . 

Union Pacific Railroad bonds, . 

Oregon Railway & Nav. bonds, 

Kan. City, Memp. & Birmingham R.R. bonds 

Consolidated Railroad of Vermont bonds, 

Ogdensborg & Lake Champlain R.R. bonds, 

Boston & Maine Railraad bonds, 

138 shares Boston National Bank, • 



Market Value. 

$16,537 50 
6,500 00 
4,443 75 
4.640 00 
5,100 00 

13,590 00 
2,645 00 
2,775 00 
3,380 00 

11,6.50 00 

12,420 00 



120 



KORTH AMERICAN INSURANCE CO. 



50 shares City National Bank, 



100 
17 
95 
29 

150 

143 
50 

100 
67 



tt 



Eliot National Bank, 
Exchange National Bank, 
Globe National Bank, 
Hide and Leather National Bank, 
Merchants^ National Bank, 
Old Boston National Bank, 
Shoe and Leather National Bank, 
State National Bank, 
Suffolk National Bank, . 
American Sugar Refinery Co. stock, 
Northern R.R. Co. stock, .... 



It 



cc 



ct 



M 



t( 



U 



tc 



It 



Ptr Valae. 
$5,000 00 
10,000 00 

1,700 00 

9,500 00 

2,900 00 
15,000 00 
14,800 00 

5,000 00 
10,000 00 

6,700 00 
10,000 00 

5,000 00 



Market Valne. 

♦3,575 00 

12,200 00 

2,125 00 

7,980 00 

3,142 88 

22,950 00 

15,158 00 

4,512 60 

10,825 00 

7,169 00 

11,100 00 

7,737 50 



(181,900 00 «192,156 13 



Secarities held as collateral for cash loans : — 



Massachusetts State bonds, 

Vermont and Massachusetts R.R. bonds, 

Boston United Gas Co. bonds, . 

Eastern R.R Co. bonds, . 

Mexican Central bonds, . 

United States Rubber Co. stock, 



Market Valoe. 

126,500 00 
1,058 75 
1,530 00 
1,185 00 
8,600 00 
8,800 00 



} 



Loaned Thereon. 

$25,000 00 
2,400 00 

10,000 00 



$42,673 75 $37,400 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash in the ofiice and in bank, 
Interest due and accrued. 
Premiums in course of collection (gross), 
Rents due and accrued. 
Gross assets, 

LlABILITFES. 

Losses adjusted, unpaid, . 
Losses disputed or resisted. 

Total amount of losses, . 
Less reinsur.ince. 

Net amount of unpaid losses. 

Unearned premiums on outstanding risks, 



31, 1896. 

$48,300 00 

81,750 00 

1,067 14 

192,156 13 

87,400 ( 

12,245 05 

3,111 64 

23,856 29 

1,216 25 



$401,102 50 



$3,940 68 
7,387 46 

$11,278 14 
753 83 

$10,524 81 
140,086 54 



* Value of lands mort^agod, $50,350 00 

Value of bulldlnga therooD, 101,800 00 

AmouDt of ioaurance held as collateral, .... 85,150 00 



NORTH AMERICAN INSURANCE CO, 



121 



Cora missions and brokerage, . 
Return preniiams, . . . . 
Gross liabilities, except capital. 

Surplus as regards policy holders, . 
Paid-up capital, . . . . 



18,760 87 
262 10 



•164,614 82 

•246,488 18 
200,000 00 



Surplus over capital, •46,488 18 



Ik COME. 

Fire premiums outstanding Dec. 31, 1896, 
Same not collected, 



Net collected, 

Premiums on risks written or renewed, . 



Total,. 

Premiums now in coarse of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash fire premiums received. 

Interest received on mortgages. 

Interest and dividends received from all other 

Income from rents, 

Banic tax refunded, 



Gross cash income. 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and reinsurance. 

Net cash paid for lire losses, . 

Cash dividends paid. 

Cash paid for commissions and brokerage, 
for salaries of oflScers and employ 
for State and local taxes, 
for rent and incidentals, 



Gross cash expenditures, 



Bisks and Premiums 



Fire risks outstanding Dec. 31, 1896, 
Fire risks written during 1896, 



Total, 



Deduct risks expired and terthinated. 

In force at end of year. 
Deduct amount reinsured. 

Net amount in force, 



•28,066 66 
120 04 

♦27,946 61 
216,582 96 

•244,628 67 
23,866 29 

1220,672 28 
66,676 73 



sources, 



•96,607 92 
12,498 04 



ees, 



130,207,924 00 
21,216,082 00 



•164,095 .56 

8,539 20 

10,811 98 

1.043 62 

642 69 

•180,033 04 



•84,109 88 
12,000 00 
33,617 61 
17,300 00 
8,234 74 
17,209 41 

•167,371 64 



rrpmlama. 

•318,7«9 86 
216,582 96 



•61,423,006 00 •535,372 82 
19,297,990 00 207.107 04 



•32,125,016 00 1328,265 78 
3,831,666 00 41.450 15 



•28,293,461 00 {286,815 63 



122 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, . . . . 



12,901,345 00 

1,410.200 00 

84,128 no 

823,000 00 

12,000 00 

26,700 00 



SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY, 

SPRINGFIELD. 

[loeorponted 1849. Oommeooed bntlneH 1851.] 

Paid-tip Capital, $1,600,000. 
A. W. DAMOir, PreHdent, B. J. HALL, 8ecntaiy. 



Detailed Statement of Stocks 



United States bonds, .... 
Amherst (Mass.) Water Co. bonds, . 
Ann Arbor (Mich.) Water Co. bonds, 
Berkshire (Mass.) Water Co. bonds, 
Wakefield (Mass.) Water Co. bonds, 
West Springfield (Mass.) Aqueduct Co. bonds 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & Northwestern R.R. bonds, 
Detroit, Lansing & Northern R.R. bonds, 
Kan. City, St. Joe & Council Bluffs R.R. bonds 
New York & Harlem R.R. bonds, . 
N. Y., N. H. & Hart. R.R. deb. bonds, . 
St. Paul, Minneapolis & Manitoba R.R. bonds 
Union Pacific Railroad bonds, . 
1,500 shares Boston & Albany Railroad, . 

634 

750 

550 

550 

400 

500 

563 
1,000 
2,050 

600 

240 

226 



t« 



4« 



•C 



4C 



tft 



4i 



Ci 



«• 



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it 



t« 



tt 



Chicago & Alton Railroad, . 
Chicago, Burl. & Quincy R.R., 
Chicago, Mil. & St. Paul R R , 
Chicago, Rock Island & Phc. R.R. 
Connecticut River Railroad, 
Conn. & Passumpsic Rivers R.R. 
Illinois Central Railroad, 
New York & Harlem Railroad, 
N.Y., New Haven & Hartford R.R. 
Pennsylvania Railroad, 
Rome, Watertown & Ogdens. R.R. 
Springfield Street Riiihvay, . 



AND Bonds. 

Par Value. 
194,000 00 

16,000 00 
50,000 00 
15,000 00 
50,000 00 
25,000 00 
26,000 00 
11,000 00 
10,000 00 
50,000 00 
2,000 00 

100,000 00 
10.000 00 
60,000 00 
50,000 00 
47,000 00 

150,000 00 
68,400 00 
75,000 00 
55,000 00 
55,000 00 
40.000 00 
50,000 00 
56,300 00 
50,000 00 

205,000 00 
30,000 00 
24,000 00 
22,600 00 



Market Value. 

1105,600 00 
16,480 00 
53,000 00 
15,450 00 
53,000 00 

. 27,250 00 
26,050 00 
11,330 00 
13,000 00 
57,000 00 
1,200 00 

120,000 00 
11,100 00 
81,600 00 
59,000 00 
45,590 00 

313,500 00 

103,976 00 
52,500 00 
72,050 00 
36,300 00 

100,000 00 
52,500 00 
52,359 00 

145,000 00 

364,900 00 
31,200 00 
28,320 (X) 
45,200 00 



SPRINGFIELD FIRE AND MARINE INSURANCE GO. 123 

P ar Valae. Market Valae. 

1,000 shares West End Street Railway, . . |50,000 00 t^,000 00 

203 "^ Agawam Nat'l Bank, Springfield, 20,300 00 20,800 00 

100 « Chapin National Bank, Springfield, 10,000 00 ^ 18,600 00 

104 " Chicopee Nat'l Bank, Springfield, 10,400 00 ' 16,120 00 

100 - City National Bank, Springfield, . 10,000 00 14,700 00 

200 » First National Bank, Springfield, . 20,000 00 22,000 00 

200 " John Hancock N'lB'k, Springfield, 20,000 00 22,000 00 

127 ** Pynchon NT Bank. Springfield, . 12,700 00 17,145 00 

200 " Second National B'k, Springfield, . 20,000 00 27,000 00 

200 " Third National Bank, Springfield, 20,000 00 42,000 00 

100 <« Atlas National Bank, Boston, . 10,000 00 11,400 00 

100 " Boston National Bank, Boston, . 10,000 00 8,800 00 

150 «• Boylston National Bank, Boston, . 15,000 00 18,750 00 

100 •• Eliot National Bank, Boston, . 10,000 00 12,200 00 

100 •* Freeman's National Bank, Boston, 10,000 00 8,700 00 

300 '' Howard National Bank, Boston, . 80,000 00 26,100 00 

100 *^ Merchants' National Bank, Boston, 10,000 00 14,200 00 

200 ** N'lB'k of Commonwealth, Boston, 20,000 00 27,600 00 

100 - N'l Bank of Commerce, Boston, . 10,000 00 11.200 00 

100 •• National Exchange Bank, Boston, 10,000 00 12.500 00 

100 " New England N'l Bank, Boston, . 10,000 00 14,900 00 

100 " Old Boston N'l Bank, Boston, . 10.000 00 10,600 00 

100 ** Shawmut National Bank, Boston, . 10,000 00 11,200 00 

50 •• Tremont National Bank, Boston, . 5,000 00 4,100 .00 

100 " Washington N'l Bank, Boston, . 10,000 00 10,200 00 

100 " Webster National Bank, Boston, . 10,000 00 10,000 00 

65 " First National Bank, Chicopee, . 6,500 00 9,425 00 

67 - Franklin Co. N'l Bank, Greenfield, 6,700 00 7,236 00 

250 " City National Bank, Holyoke, . 25,000 00 25,000 00 

50 " First National Bank, Lynn, . . 5,000 00 7,250 00 

10 " Monson National Bank, Monson, 1,000 00 1,400 00 

20 « Adams N'l Bank, No. Adams, . 2,000 00 2,400 00 

60 " First N'l Bank, Northampton, . 6,000 00 7,800 00 

100 " Northampton N'l B'k, N'hampton, 10,000 00 15,000 00 

37 •* Palmer National Bank, Palmer, . 8,700 00 5,180 00 

75 " Ware National Bank, Ware, . 7,500 00 8,250 00 

100 " Bank of No. America, New York, 7,000 00 9,450 00 

200 «* Continental N'l Bank, New York, 20,000 00 27,000 00 

200 «* Fourth National Bank, New York, 20,000 00 86,000 00 

100 « N'l B'k of Commerce, New York, 10,000 00 20,200 00 

100 " St. Paul Nat'l B'k, St. Paul, Minn., 10,000 00 10,000 00 



•2,016,100 00 12,778,261 00 
Securities held as collateral for cash loans : — 

Market Valae. Loaned Thereon. 

100 shares West Springfield Aqueduct Co., . 121,500 00 110,000 00 

418 " Thompsonville (Ct.) Water Co., . 12,390 00 10,000 00 

30 " West Springfield Aqueduct Co., • 6,450 00 8,200 00 



\ 



124 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



45 shares Third National Bank, Springfield, 
Springfield Street Railway Co., 
West Springfield Aqueduct Co., 
Nonotuck Paper Co., Holyoke, 
Parson's Paper Co., Holyoke, . 
Chicago & Alton Railroad Co., 
Boston & Mont. Copper Mining Co., 
Pullman Palace Car Co., 



Market Value. Loaned TberecMi. 



17 

15 

100 

108 

22 

60 

7 



19,450 00 
8.400 00 
8,225 00 
80,000 00 
43,200 00 
8,608 00 >j 
4,750 00 * 
1,050 00. 



\ 



16,000 00 

2,500 00 
50,000 00 

5,000 OO 



f 189,023 00 $86,700 00 



Summary of Assets Dec. 81, 1896. 



Cash value of unencumbered real estate. 

Loans on mortgage of real estate (first liens *), 

Interest due or accrued thereon. 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the oflBce of the company, . 

Cash deposited in bank, .... 

Interest due and accrued. 

Premiums in course of collection (gross). 

Rents due and accrued, .... 

Reinsurance, 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



1134,000 00 

648,050 00 

19,054 16 

2,778,261 00 

86,700 00 

62,034 20 

73,385 86 

28,389 82 

272,659 17 

995 16 

1,845 38 



14,105,374 75 
85,250 00 

$4,020,124 75 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted. 

Total amount of losses, . 
Less reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits. 



Surplus as regards policy holders. 
Paid-up capital. 



Surplus over capital, . 



$57,313 11 
90,875 65 
22,684 51 

$170,873 27 
14,916 40 

$155,956 87 

1,509,455 96 

54,531 83 

36,460 85 

$1,756,405 51 
14,340 44 



1,742,065 07 

$2,278,059 68 
1,500,000 00 



$778,059 68 



* Value of lands mortgaged, 
Valae of balldiogs ihereon, 
Amount of Iniarance held aa collateral, 



$498,960 00 
842,850 00 
740,350 00 



SrRINGFIELD FIRE AND MARINE INSURANCE CO. 



125 



iNCOafE. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



$289,461 01 
2,204,0(57 97 



Total, 12,443,528 98 

Premiums now in course of collection, • • 272,659 17 



Entire premiums collected, .... $2,170,869 81 
Less reinsunince and return premiums, . . 854,367 91 

Net cash lire premiums received, . . . f 1,816,501 90 

Interest received on mortgages, ...... 24,290 42 

Interest and dividends received from all other sources, . . 129,631 50 
Income from rents, 4,951 99 



Gross cash income, $1,975,375 81 



Expenditures. 

Cash paid for fire losses, tUO 18,673 71 

Dednct salvage and reinsurance, . . . 62,281 88 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, .... 

for salaries of officei*s and employees, . 

for State and local taxes, 

for incidentals, 



$956,391 83 

150,000 00 

297,771 78 

90,302 51 

70,116 17 

197,018 87 



Gross cash expenditures, $1,761,601 16 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Risks and Premiums. 

Premluma. 

$270,396,221 00 $2,999,751 94 
169,543,690 00 2,204,067 97 



Total 

Deduct risks expired and terminated. 

In force at ond of year, . 
Deduct amount reinsured. 

Net amount in force. 



$439,939,911 00 $5,203,819 91 
167,618,991 00 2,138,196 35 



$272,320,920 00 $3,065,623 56 
11,501,585 00 110,566 74 



$260,819,335 00 $2,955,056 82 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year. 
Marine and inland losses incurred during the year. 
Dividends declared during the year (10 per cent.). 
Company's stork owned by directors. 



138,226.863 00 
2:3,506,037 00 
925.118 00 
3,404,542 00 
150,000 00 
133,700 00 



AGGREGATE. 



Capital Stock. 
Whole amount of capital actually paid up in cash. 



Assets. 



Gross present assets, 



Liabilities. 



Gross present liabilities, 



Income. 
Cash actually received for fire premiums, . 

actually received for marine premiums, . 
for interest and dividends from all sources, 
from all other sources, .... 



Gross ca«h income, 



Expenditures. 
Cash actually paid during the year for fire losses, 

actually paid during the year for marine losses, 
dividends to stockholders, .... 
for brokerage and commissions on premiums, 
for salaries and pay of officers and employees, 
for State and local taxes, .... 
for office, agency and incidental expenses. 

Gross cash expenditures, . . .' . 

Miscellaneous. 
Whole amount of fire risks written during^ the year, 
premiums charged or receivable thereon, 
marine risks written durinj^ the year, 
premiums charged or receivable thereon, 
fire risks terminated during the year, 
marine risks terminated duriuj^ the year, 
fire risks outstanding at end ofvear, 
marine risks outstanding at end of year, 
cash dividends declared during the year, 
fire losses incuiTed during the year, 
marine losses incurred during the year, . 



13,800,000 00 



9,216,264 00 



2,945,880 00 



12,562,687 00 

882.909 00 

350,111 00 

6,651 00 



•3,752,358 00 



f 1,813,947 00 
724,713 00 
336.203 00 
490,079 00 
221,652 00 
97,501 00 
859,107 00 



•3,543,202 00 



•261,928,207 00 

3,169,398 00 

58,904,178 00 

887,567 00 

252,316,669 00 

61,161,471 00 

385,623,767 00 

6,851,354 00 

336,000 00 

1,272,223 00 

799,254 00 



A 



FIRE, MARINE AND FIRE-MARINE 

INSURANCE COMPANIES 



OF OTHEE STATES. 



Detailed Statement of Assets and Liabilities, with Abstract 
OF Annual Statements for the Year ending 

December 81, 1896. 



128 



JETNA INSURANCE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



" ^TNA INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1819. Commenoed buttneM Angutt, 1819.] 
Paid-up Capital, $4,000,000. 



WM. B. CLARK, Preaident, 

Detailed Statement of Stocks 

United States bonds, . 

Alabama State bonds, 

Geor^a State bonds, 

Mississippi State bonds, . 

New Hampshire State bonds, 

Tennessee State bonds, 

Arizona Territory bonds, . 

Hartford County, Conn., bonds, 

Mecklenburg County, N. C, bonds, 

Spokane Co., Wash., court house and jail bonds, 

Talbot County, Ga., court house bonds, 

Norwich, Conn., town bonds, . 

Windsor Locks, Conn., town bonds, . 

Albina, Oregon, city boulevard bonds, 

Americus. Ga., city pub. b'ld'g and school bonds, 

Bainbridgc, Ga., city academy bonds, 

Boston, Mass., city bonds, 

Brooklyn, N. Y., city bonds, . 

Buffalo, N. Y., city bonds, 

City of Sioux Falls, So. Dakota, funding bonds 

Chicago, 111., city bonds, . 

Chicago sanitary di.strict bonds, 

Columbus, Ohio, city improvement bonds 

Dalles City, Oregon, water bonds, 

Dallas, Texas, city water and sewer bonds, 

Dayton, Ohio, city street paving bonds. 

Fostoria, Ohio, city water bonds. 

Fort Wayne, Ind., city bonds, . 

Glenville, Oliio, village bonds, . 

Greensboro, N. C, city school bonds, 

Greenville, Ala., school bonds, 

Hamilton, Ohio, city gas works bonds, 

Hartford, Conn , city bonds, . 

Jersey City, N. J., city hall bonds, . 



WM. H. KING, Secretary. 



AND Bonds. 

Par Value. 

1200,000 00 
10,000 00 
25,000 00 
11,000 00 
89,600 00 
23,000 00 
15,000 00 

5,U00 00 
67,000 00 
25,000 00 
11,000 00 
100,000 00 
10,000 00 
25,000 00 

6,000 00 

8,000 00 
80,000 00 

1,000 00 
50,000 00 
25,000 00 
16,000 00 
60,000 00 

9,000 00 
25,000 00 
60,000 00 
25,000 00 
25,000 00 
25,000 00 

7,000 00 
24,000 00 
20,000 00 
25,000 00 
61,000 00 
25,000 OJ 



Martet Value. 
1222,7.50 00 

10,500 00 

28,750 00 

12,100 00 

43,460 00 

18,860 00 

15,4.50 00 

5,000 00 
76,380 00 
26,7.50 00 
11,550 00 
126,000 00 
10,300 00 
31,250 00 

6,600 00 

8,800 00 
84,800 00 

1,050 00 
61,000 00 
25,500 00 
17,120 00 
65,000 00 

9,630 00 
27,000 00 
61,500 00 
28,000 00 
26,250 00 
26,600 00 

7,140 00 
25,200 00 
21,000 00 
26,000 00 
54,570 00 
28,oOU 00 



JBTNA IKSUBANCB GO. 



129 



Kansas City, Kan., improvement bonds, 
Lexington, Ky., city bonds, . • 
Ix)ckport, N. Y., city bonds, . 
Montreal, Canada, corporation stock, 
Montreal, Canada, barl>or bonds, 
New Brunswick, N. J., water bonds, 
Ogden City, Utah, improvement bonds. 
Port of Ponland, Oregon, gold bonds. 
Providence, R. I., city bonds, 
Rahway, N. J., city bonds, 
Richmond, Va., city bonds, 
Roanoke, Va., city bonds, 
Seattle, Wash., city bonds, 
St Lonis, Mo., city gold bonds, 
Superior, Wis., city bonds, 
Tacoma, Wash., city water and light bonds, 
Toledo, Ohio, city special bonds, 
Topeka, Kan., city funding bonds, 
Urbana, Ohio, city bonds, . 
Watsonville, Cal., school bonds, 
Winston, N. C, city bonds, 
Brookline Wharf and Warehouse Co. bonds. 
Central Safety Deposit Co. bonds, Chicago, 
Tacoma Safety Deposit Co. bonds, Chicago, 
Northeast School Dist., Hart, Conn , bonds. 
School District, No. 2, Enfield, Conn., bonds. 
School Dist, No. 1, Co. of Pueblo, Col., bonds, 
School Dist, No. 24, Woodbridge, N. J., bonds, 
State of 111 , Mason & Tasewell drain, dist. b'ds, 
Y. M. C. A., Wilmington, N. C, bonds, . 
Albany & Susquehanna R.R. bonds, 
Alabama Central R.R. bonds, . 
Atchison, Colorado & Pacific R.R. bonds, 
Akron & Chicago Junction R.R. bonds, . 
Buffalo & Eric R.R. bonds, 
Buffalo, New York & Erie R.R. bonds, . 
Canadian Pacific Railway Co. land grant bMs 
Central ia A Chester Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 
Clevc , Col., Cin. & Indianapolis R.R. bonds, 
Chicago, Burlington A Quincy R.R. bonds, 
Chicago, Milwaukee & St Paul R.R. bonds, 
Chica<ro & North%vestem Railroad bonds, 
Chicago, Rock Island A Pacific R R. bonds, 
Chicago A Western Indiana Railroad bonds, 
Cincinnati, Dayton A Ironton Railroad bonds 
Cincinnati, Hamilton A Dayton R.R. bonds, 
Columbus A Toledo GUiilroad bonds, 



•42,500 00 

60,000 00 

20,000 00 

19,000 00 

4,000 00 

8,000 00 

18,000 00 

50,000 00 

50,000 00 

22,000 00 

44,760 00 

80,000 00 

50,000 00 

50,000 00 

25,000 00 

25,000 00 

18,000 00 

25,000 00 

25,000 00 

13,000 00 

25,000 00 

100,000 00 

50,000 00 

50,000 00 

20,000 00 

4,000 00 

25,000 00 

5,000 00 

9,000 00 

20,000 00 

100,000 00 

25,000 00 

50,000 00 

25,000 00 

46,000 00 

20,000 00 

100,000 00 

25,000 00 

50,000 00 

85,000 00 

187,000 00 

210,000 00 

155,000 00 

160,000 00 

98,000 00 

25,000 00 

82,000 00 

90,000 00 



If arktt Vftlu*. 
•14,625 00 

54,500 00 

21,400 00 

20,900 00 

4,000 00 

8,800 00 

18,360 00 

56,000 00 

55,500 00 

19,140 00 

49,902 50 

31,800 00 

51,500 00 

53,000 00 

25,750 00 

25,750 00 

14,430 00 

25,750 00 

25,000 00 

13,600 00 

25,000 00 

100,000 00 

50,000 00 

52,500 00 

20,000 00 

4,000 00 

25,000 00 

5,200 00 

9,900 00 

20,(X)0 00 

121,500 00 

27,750 00 

15,000 00 

25,750 00 

48,300 00 

27,400 00 

111,000 00 

28,750 00 

49,500 00 

105,825 00 

197,210 00 

263,050 00 

194,900 00 

188,100 00 

111,900 00 

27,000 00 

91,400 00 

105,280 00 



130 



^TNA INSURANCE CO. 



Connecticut River Railroad coupon scrip, 
Dayton & Western Railroad bonds, 
Delaware & Hudson Canal Co. bonds, 
Flint & Pere Marquette Railroad bonds, . 
Hartford Street Railway Co. bonds, . 
Harlem River & Port Chester Railroad bonds 
Indiana & Lake Michigan Railroad bonds, 
Indianapolis & Vincennes Railroad bonds, 
Iowa Midland Railroad bonds, 
Jeffersonyille, Madison & Indiana R.R. bonds 
Kansas Pacific Railroad bonds, 
Keokuk & Des Moines Railroad bonds, . 
Lake Shore Railroad bonds. 
Lake Shore & Michigan Southern R.R. bonds 
Louisville, New Albany & Chicago R.R. bonds 
Louisiana & Missouri River R.R. bonds, . 
Mahoning Coal Railroad bonds, 
Michigan Central Railroad bonds, . 
Minneapolis <& St. Ix>uis Railroad bonds, 
Minneapolis Union Railroad bonds, . 
Morris & Essex Railroad bonds, 
N. Y. Central & Hudson River Railroad bonds 
New York & Harlem Railroad bonds, 
New York, Lake Krie & Western R.R. bonds 
New York & New England R.R. bonds, . 
N Y., New Haven & Hartford R.R. certificates 
Norfolk & Western Railroad bonds. 
North Chicago Street Railroad bonds. 
Northwestern Union Railroad bonds, 
Oswego Railroad Bridge Co. bonds, 
Ohio & West Virginia Railroad bonds, . 
Pittsburgh, Fort Wayne & Chicago R R. bonds 
St. Louis, Alton & Tcrre Haute bonds, . 
St. Paul, Minneapolis & Manitoba R R. bonds 
St. Paul & Northern Pacific Railroad bonds, 
St. Paul & Sioux City Railroad bonds, . 
Terre Haute & Peoria Railroad bonds, . 
Toledo & Ohio Central Railroad bonds, . 
Vermont Valley Railroad bonds, 
Wabash Railroad bonds, .... 
West Chicago Street Railroad tunnel bonds. 
West Shore Railroad bonds. 
Loan & Guarantee Co. of Connecticut bonds, 
Atlantic Mutual Insurance Company scrip, 
400 shares American Telegraph & Cable Co., 
300 " International Ocean Tel. Co., . 
84 ** Brooklyn Wharf & WarehouseCo., 
50 '* Connecticut River Company, . 



Par Value. 

1 15,000 00 
28,000 00 
25,000 00 
50,000 00 
50,000 00 

150,000 00 
50,000 00 
49,000 00 
25,000 00 
20,000 00 
25,000 00 
40,000 00 
30,000 00 
95,000 00 
25.000 00 
25,000 00 
30,000 00 
50,000 00 
50,000 00 
50,000 00 

135,000 00 

175,000 00 
10,000 00 
45,000 00 
50,000 00 
75,000 00 
50,000 00 
25,000 00 
25,000 00 
50.000 00 
26.000 00 

196,000 00 
25,000 00 
1,000 00 
50,000 00 
20,000 00 
25,000 00 
25,000 00 
50,000 00 
25,000 00 
50,000 00 
50,000 00 
10,000 00 
65,040 00 
40,000 00 
80,000 00 
8,400 00 
5,000 00 



Market Valne. 

115,000 00 
31,360 00 
86,000 00 
40,250 00 
51,000 00 

176,000 00 
42,500 GO 
59,290 00 
27,500 00 
22,900 00 
16,500 00 
41,200 00 
32,400 00 

111,500 00 
26,250 00 
28,250 00 
35,100 00 
57,500 00 
61,750 00 
60,500 00 

187,9(K) 00 

211,750 00 
11,100 00 
63,000 00 
61,500 00 

102,750 00 
60,500 00 
25,875 00 
34,500 00 
59,000 00 
31,200 00 

267,970 00 
26,125 00 
1,100 00 
62,000 00 
25,600 00 
21,250 00 
27,000 00 
55,000 00 
26,500 00 
51,000 00 
58,250 00 
10,000 00 
68,292 CO 
36,000 00 
33,000 CO 
840 00 
1,000 00 



JSTNA mSUBANCE GO. 



131 



10 shares 


500 


M 


250 


M 


150 


tt 


750 


M 


1,000 


M 


240 


M 


220 


M 


300 


U 


500 


U 


SOD 


M 


400 


U 


100 


M 


400 


U 


200 


M 


1,000 


M 


800 


ti 


500 


U 


1,875 


M 


1,000 


U 


500 


U 


750 


U 


150 


M 


600 


tt 


800 


U 


200 


M 


200 


•• 


400 


«• 


180 


M 


150 


M 


350 


U 


200 


U 


1,000 


U 


550 


U 


1,000 


U 


550 


U 


400 


M 


400 


tt 


800 


U 


100 


«k 


800 


M 


100 


M 


700 


M 


120 


M 


1,200 


U 


400 


U 


200 


U 


500 


u 



Underwriters' Salvage Co., N. Y 
Albany & Susquehanna R.R Co 
Bald Eagle Valley Railroad Co., 
Central Ohio Railroad Company 
Cleve., Cinn., Chic. & St. L. R.R. 
Cleveland & Pittsburgh Railroad 
Chicago, Burl. & Quincy R R., 
Chic, Rock Island & Pacific R.R. 
Connecticut River Railroad Co., 
Conn. & Passumpsic Rivers R R. 
Dayton & Michigan Railroad Co 
Fort Wayne & Jackson Railroad 
Joliet & Chicago Railroad Co., 
Kalamazoo, AIlc. & 6.R. R.R. Co 
Keokuk & Des Moines R.R. Co., 
Morris & Essex Railroad Co., 
N.Y.C & Hudson River R.R. Co 
New York & Harlem R.R. Co., 
N. Y., N. H. & Hartford R.R. Co 
Northwest Telegraph Company, 
Oswego & Syracuse R.R Co., 
Pitti., Ft Wayne & Chic. R.R. Co 
Peoria & Bureau Valley R.R. Co 
Rensselaer & Saratoga R.R. Co., 
Valley (New York) Railroad Co 
iBtna N'l Bank, Hartford, Conn 
American N'l Bank, Hart., Conn 
Charter Oak N'l B'k. Hart , Conn 
City Bk of HartTd, Hart , Conn 
Conn. River BVg Co , Ht., Conn 
Farm. & Mech. N'l B'k, Ht, Conn 
First Nai1 Bank, Hart., Conn., 
Hartford Nat'l Bank, Hart, Conn 
Nat'l Exchange B'k. Hart, Conn 
Phoenix Nat'l Bank. Hart, Conn 
State Bank, Hartford, Conn., 
American Ex. Nat'l Bank, N.Y., 
Bank of the 5lanh:Utan Co., N.Y 
B-k of N.Y. N'l B'k'g Ass'n, N.Y 
Hanover National Bank, N.Y., 
Importers & Trad. N'l Bank, N Y 
Markot & Fulton N'l Bank, N Y 
Merchants' National Bank, N. Y 
Merchants' Ex. Nat'l Bank, N. Y 
Mechanics' National Bank, N. Y 
Metropolitan Nat'l Bank, N.Y., 
Nassau Bank, N.Y., 
National B'k of Commerce, N Y 



Par Valae. 

11,000 00 
50,000 00 
12,500 00 
7,500 00 
75,000 00 
50,000 00 
24,000 00 
22,000 00 
80,000 00 
50,000 00 
15,000 00 
40.000 00 
10,000 00 
40,000 00 
20,000 00 
50,000 00 
80,000 00 
25,000 00 

187,500 00 
50,000 00 
25,000 00 
75,000 00 
15,000 00 
60,000 00 
20,000 00 
20,000 00 
10,000 00 
40,000 00 
18,000 00 
4,500 00 
35,000 00 
20,000 00 

100,000 00 
27,500 00 

100,000 00 
55,000 00 
40,000 00 
20,000 00 
30,000 00 
10,000 00 
30,000 00 
10.000 00 
35,000 00 
6,000 00 
80,000 00 
40,000 00 
10,000 00 
50,000 00 



Market Valac. 
♦500 00 

87.500 00 
25,000 00 
4,950 00 
56,250 00 
82,500 00 
16,800 00 
14,520 00 
75,000 00 
52.500 00 
27,000 00 
50,000 00 
16,000 00 
52.800 00 
8.000 00 
82,500 00 
76.000 00 
72,500 00 

837,500 00 
55,000 00 
50,750 00 

125,250 00 
25,500 00 

110,400 00 
22.000 00 
29,000 00 
14,000 00 
40,000 00 
19,260 00 
6.750 00 
40,250 00 
23,(J00 00 

140,000 00 
85.750 00 

125.000 00 
60,500 00 
69.200 00 
42.400 00 
72,600 00 
32,700 00 

162,300 00 
22,500 00 
48,800 00 
6.900 00 
57,000 00 
5.200 00 
15.300 00 

102,500 00 



132 



J£TNA INSUBANCE CO. 



200 shares 


160 


•t 


800 


t( 


100 


it 


300 


(( 


200 


tc 


100 


M 


250 


U 


100 


tt 


100 


U 


100 


tt 


100 


tt 


100 


tt 


160 


tt 


100 


tl 


100 


(t 



Xatn B'k of North America, N.Y., 
Nan Bank of the Republic, N.Y., 
Natn Butch. & Drovers' B'k, N.Y., 
National City Bank, N.Y., • 
Phenix National Bank, N.Y., 
People's Bank, N.Y., . 
Third National Bank, N.Y., . 
Faim. & Mech. N'l B'k, Phila., Pa., 
First National B'k, Albany, N.Y., 
New Brit. N'l B'k, N. BriL, Conn., 
Central Trust Co., N.Y., 
Holland Trust Co., N.Y., . 
Metropolitan Trust Co., N.Y., 
N.Y. Life Ins. & Trust Co., N.Y., 
United States Trust Co., N.Y., . 
Union Trust Co., N.Y., 



Par Talii«. 

•14,000 00 
16,000 00 
7,500 00 
10,000 00 
6,000 00 
6,000 00 
10,000 00 
26,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
16,000 00 
10,000 00 
10,000 00 



Market V«lae. 

118,^00 00 
28,100 00 
9,900 00 
60,000 00 
6,480 00 
12,600 00 
10,100 00 
27,260 00 
16,000 00 
16,000 00 

108,000 00 
10,000 00 
81,000 00 

166,000 00 

109,000 00 
88,000 00 



17,666,190 00 19,817,684 60 



Securities held as collateral for cash loans : — 
26 shares National Bank of Commerce, N.Y., . 



25 
2 
8 
2 
2 

10 
4 



tt 



tt 



(t 



tt 



tt 



tt 



tt 



Mechanics' National Bank, N.Y., 
American Bell Telephone Co., 
Chicago, Burlington A Quincy R.R. 
Manhattan Railway Co., . • 
National New Haven Bank, 
New York & New Jersey Tel. Co., 
Nat'l Pipe Bending Co., New Haven, 



Market Valne. 

16,125 00 
1,187 60 
400 00^ 
810 00 
176 00 
840 00 
1,220 00 
400 00 



Loaned Thereon. 

18,600 00 



2,000 00 



19,068 60 t^,600 00 



Summary of Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, . $226,000 00 

Ix)ans on mortgage of real estate (first liens *), 86,600 00 

Interest due or accrued thereon, . . . 818 46 

Stocks and bonds, as per schedule, . . . 9,817,584 60 

Lcmns on collateral security, as per schedule, 6,600 00 

Cash in the office of the company, . . . 1,494 19 

Cash deposited in bank, 788,881 48 

Interest due and accrued, 612 60 

Premiums in course of collection (gross), . 602,866 67 

Gross assets 111,478,242 76 

Deduct special deposits in other States, . . . . . 268,717 60 

Balance, •11,224,626 25 

• Valae of landa mortgaged, $42,600 00 

Vaiae of balldlngi thereoo, 40,000 00 

AnQOQDt of iDinrance held at collateral, . . • . 20,600 00 



JETNA INSURANCE CO. 



133 



LlABIUTTBS. 



Losses adjusted, nnpaid, . 

claimed and reported, . 
disputed or resisted. 



Total amount of losses. 
Less reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Redaioiable on perpetual fire policies, 
Dae and accrued for rent, salaries, etc.. 
Commissions and brokerage, . 
Due for reinsuranoe, .... 
Reinsarance disallowed, • 



Gross liabilitiea, except capital. 
Deduct liability on special deposiu, 

Sarplns as regards policy holders, . 
Paid-up capilal, . . . . 



Swplus oTer capital. 



Income 

Fire premiums outstanding Dec. 31, 1896, 
, Premiums on risks written or renewed. 



Total, 

Premiums now in course of collection, 

Entire premiums collected. 
Less reinsurance and return premiums, 
Net cash fire premiums received, . 
Alarine premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed. 



ToUl 

Premiums now in course of collection. 



Entire premiums collected, 
Less reinsurance and return premiums, 
Ket cash marine premiums received, 
Interest received on mortgages. 
Interest and dividends received from all 
Income from rents, .... 
Deposits received for perpetual fire risks 



Gross cash income. 



•63,478 78 

241,288 44 

66,446 78 

1860,168 96 
19,168 01 

1341,006 94 

8,026,736 77 

62,118 64 

1,000 00 

101,742 84 

99,626 42 

199,829 38 

13,820,969 49 
166,161 40 



13,666,798 09 



•7,668,727 16 
4,000,000 00 



•3,568,727 16 




•688,683 86 
4,403,252 63 

•4,936,836 39 
687,780 61 

•4,399,055 78 
796,668 87 

•39,410 25 
221,664 66 

•261,074 91 
66,076 06 

•196,998 86 
67,270 96 



sources, . 
.•1,712 38 



•3,602,386 91 



128,727 89 

1,985 00 

480,428 03 

6,437 47 

•4,219,965 30 



134 



-ETNA INSURANCE CO. 



Expenditures. 

Cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals 



Deposits returned on perpetual fire risks. 



$1,779,369 60 
106,456 10 
720,000 GO 
628,510 80 
260,102 97 
80,807 55 
265,762 05 



•867 55 



Gross cash expenditures, 13,810,508 57 



Risks and Pkemiuhs. 

PranlDiDS. 

Fire risks outstanding Dec. 31, 1895, . $519,123,799 00 $6,812,162 48 
Fire risks written during 1896, . 365,306,106 00 4,403,252 53 



Tolal, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force. 



$884,429,905 00 $10,715,415 01 
361,517,924 00 4,449,750 10 



$522,911,981 00 $6,265,664 91 
37,586,261 00 446,653 93 



$485,325,720 00 $5,819,010 98 



Perpetual risks in force (not incPd above) , $2,330,828 00 $54,861 72 



Marine risks outstanding Dec. 81, 1895, 
Marine risks written during 1896, . 



Total 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 



Net amount in force, 



Miscellaneous. 



$2,487,355 00 
88,317,290 00 



$83,545 08 
221,664 66 



$90,804,645 00 $305,209 74 
86,871,089 00 179,698 53 



$3,933,556 00 $125,511 21 
473,448 00 20,209 01 



$3,460,108 00 $105,302 20 



Premiums received from organization of the company, . 
Losses paid from organization of the company. 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company. 
Dividends declared during the year (18 per cent.). 
Company's stock owned by directors, .... 



$141,174,100 00 
79,198,979 00 
1,711,275 00 
116,980 00 
22,913,365 00 
720,000 00 
343,100 00 



AQRICULTUBAL INSURANCE CO. 



135 



" AGRICULTURAL INSURANCE COMPANY," WATERTOWN. N. Y. 

[Incorporated 1853.* Commenced bneiness February , 1853.] 
Paid-up Capital, $600,000. 
JBAN B. 8TEBBIN8, PresidetU, H. M. 8TBVBN8, Secretary, 



Detailed Statement of Stocks and Bonds. 



Union Pacific Railroad bonds, . 

Citj of Kingston bonds, .... 

City of Richmond bonds, .... 

Dexter Sulphite I'ulp and Paper Co. bonds, 

Chicago, Rock Island & Pacific R R. bonds, 

'Sew York Central & Hudson River R.R. stock, 

Chicago, Milwaukee & St. Paul R R. stock, 

Western Union Telegraph stock, 

Kational Union Bank stock, 

Jefferson County National Bank stock, 

Watertown National Bank stock, 

Excelsior Carriage Co. stock, . 

Union Building and Loan Co. certificate. 



Par Valae. 

12,000 00 

138,100 00 

27.000 00 

6,000 00 

25,000 00 

20,000 00 

30,000 00 

108,500 00 

16,800 00 

800 00 

10.500 00 

2,500 00 

10,000 00 



Market Valae. 

$2,060 00 

149,148 00 

27,000 00 

5,000 00 
26.000 00 
18,700 00 
22,012 50 
90,461 87 
28,700 00 

1,520 00 
19,425 00 

2,500 00 
10,000 00 



♦396,200 00 »402,527 37 



Securities held as collateral for cash loans : — 



Real estate mortgages, 

Deeds of real estate, .... 

The Bagley & Sewall Co. stock, 

Watertown Spring Wagon Co. stock, 

Chicago & Alton R.R. stock, . 

First National Bank of Carthage, N. Y., stock, 

National Bank of Fayetteville, N. Y., stock, . 

Felts Mills Paper Co. stock, . . 

Remington Paper Co. stock, . . . . 

First National Bank of Frankfoii;, N. Y., stock. 

First National Bank of Herkimer, N. Y., stock. 

Watertown Steam Engine Co. stock, 

W^atertown National B-mk stock, 

Hudson River Pulp and Paper Co. stock, 

Watertown National Bank stock, 

Ontario Paper Co. stock, .... 

Remington Paper Co. stock, 

UtJca City National Bank stock, 

N. Y. Central A Hudson River R.R. stock, 



Market Valae. 
$50,210 50 

35,000 00 

23,700 00 

4,200 00 

7,040 00 

6,250 00 

1,667 60 

6,200 00 

3,000 00 

11,250 00 

12,150 00 

9,800 00 

2.776 00 

80,000 00 

1,850 00 

3,700 00 

11,900 00 

2,000 00 

6,142 60 



\ 



Loaned Thereon. 

$39,610 60 

23,942 30 

10,000 00 

3,500 00 

3,899 91 

6,000 00 

914 06 

2,500 00 

2,046 45 

18,000 00 

9,000 00 

2,100 00 

25.000 00 

3,650 00 

6,000 00 
6,000 00 



* Orgaolaed aa mutual 1853; Incorporated aa atock 1C63. 



136 



AGRICULTURAL INSURANCE CO. 



Union Carriage and Gear Co stock. 
First N'l B'k of Richfield Springs, NY., stock. 
National Union Bank, Watertown, N. T., stock. 
Union Nat'l Bank of Schenectady, N. Y., stock. 
Bank of Philadelphia, N. Y., stock, . 
Real estate mortgage, .... 
N. Y. Central & Hudson River R.R. stock. 
National Union Bank, Watertown, N. Y., stock 
City National Bank, Watertown, N. Y., stock, 
Watertown NU B'k, Watertown, N.Y., stock, 
American Express Co. stock, . 
C. R. Remington & Son stock, . 
Watertown Spring Wagon Co. stock, 
Carthage, Watertown & Sackets Har. R.R, st^k 
Real estate mortgage, .... 
Brownville Paper Co. stock, 
Willamette Pulp and Paper Co. stock. 
International Pulp Co. stock, . 
Barber Asphalt Co. stock, 
Batopilas Mining Co. bonds, . 



Market Valae. 


LOftDCd TbCTMII* 


1500 00 


$210 OO 


6,000 00 


5,000 00 


t2,050 00 i 
2,500 00 ' 


► 3,500 00 


1,920 00 i 
1,200 00 * 


1 1,974 75 


1,309 00] 




8,280 00 




625 00 
1350 00 


10,000 00 


1,635 00 




7,500 00^ 




300 00> 


i 


100 00 j 


[ 1,600 00 


1,350 00 J 


) 


5,000 00 


4,000 00 


15,000 00 


10,000 00 


2,000 00 


1,500 00 


12,000 00 j 
4,000 00^ 


* 8,000 00 



•296,954 50 {205,947 97 



Summary of Assets Deo. 31, 1896. 



Cash Talue of unencumbered real estate. 

Loans on morto^age of real estate (first liens *) 

Interest due or accrued thereon. 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule 

Cash in the oflSce of the company, . 

Cash deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross). 

Reinsurance on losses already paid, 

Prem's more than three mos. due, $8,775 41 

Gross assets, 

Deduct special deposits in other States, . 



$245,260 00 

1,067,096 97 

26,233 49 

402,527 37 

205,947 97 

15,427 89 

146,751 85 

11,685 39 

205,144 25 

6,170 49 



$2,832,245 17 
176,148 00 



Balance, $2,156,097 17 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted. 
Unearned premiums on outstanding risks. 
Commissions and brokerage, . 



$13,954 88 

37,526 32 

38,715 32 

1,331,941 54 

45,099 66 



* Total valae of property mortgaged, 



$2,«7,410 00 



AORIGULTCBAL INSURANCE GO. 137 

ReiDsaniQce, . . . . . . . 19,712 36 

Keinsarance disallowed, 3,229 50 



Gross liabilities, except capital, . . tl«^75,179 58 
Deduct liability on special deposits, . . 60,078 00 



tl,415,101 58 



Surplus as regards policy holders, 1740,995 59 

Paid-up capital, 500,000 00 

Surplus over capital, t240,995 59 

Income. 

Fire premiums outstauding Dec. 31, 1895, . tl77,S79 91 
Same not collected, 8,775 41 



Net collected, $168,604 50 

Premiums on risks written or renewed, . . 1,601,106 00 



Total 11,769,710 50 

Premiums now in course of collection, . . 205,144 25 



Entire premiums collected, .... tlf564,566 25 
Less reinsurance and return premiums, . . 504,664 25 

Net cash fire premiums received, . . 11,059,902 00 

Interest received on moi*tgages, 63,665 17 

Interest and dividends received from all other sources, . 24,970 90 

Income from rents, . . . 2,012 81 

Gross cash income, $1,150,550 88 

Expenditures. 
Cssb paid for fire losses, $590,447 56 

Deduct salvage and reinsurance, . . . 51,246 66 

Nrt cash paid for fire losses, .... $539,200 90 

Cash dividends paid, 50,075 00 

Cash paid for commissions and brokerage, .... 206,550 26 

for salaries oi officers and employees, . . . 116,244 89 

for State and local taxes, 33,978 36 

for incidentals, 108,525 63 

Gross cash expenditures, ....... $1,054,575 04 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, . 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated, 

Id force at end of year, . 
Deduct amount reinsured, 

Net amount in force, • 



PmnlQDM. 

$288,959,447 00 $2,768,087 87 
195,924,900 00 1,601,106 00 



$484,884,347 00 $4,369,193 87 
172,401,991 00 1,510,328 87 



$312,482,356 00 $2,858,865 00 
18,001,200 00 141,181 00 



(294,481,156 00 $2,717,684 00 



138 



ALBANY INSURANCE CO. 



Miscellaneous. 

Premiums received from organization of company, 
I^osses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company. 
Dividends declared during the year (10 per cent.), . 
Company ^s stock owned liy directors, .... 



$20,540,203 00 
. 10,128,060 00 
. 505,714 00 
. 1,180,000 00 
50,000 00 
144,600 00 



"ALBANY INSURANCE COMPANY," ALBANY, N. Y. 

[Incorporated March 8, 1811. Commenced bnitneu March 16, 1811. Reorganized Jane 1, 1881.] 

Paid-up Capital, $250,000. 



JOHN HOWARD KING, Pre$ident. 



CHARLES H. HAHN, Secretary. 



Detailed Statement of Stocks 



Watervliet Turnpike and Railroad bonds, 
Albany & Susquehanna Railroad bonds. 
West Shore Railroad bonds, . 
New York Central Railroad bonds, . 
Wabash Railroad Company bonds, . 
Municipal gas bonds, Albany, N. Y., 
Union Railroad Company bonds, 
St. Louis & San Francisco bonds, 
Ann Arbor Railroad bonds. 



SCMMART OF ASSETS DeC 

Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens •) 
Interest due or accrued thereon, ,' 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in coui-se of collection (gross), 
Due from agency accounts, 

Gross assets, 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted. 
Unearned premiums on outstanding risks, 



s AND Bonds. 




Par Value. 


Hartet Value. 


f 6,000 00 


$6,900 00 


25.000 00 


29,600 00 


41,000 00 


42,640 00 


84,000 00 


35.465 00 


10,000 00 


9,650 00 


1,000 00 


1,085 00 


10,000 00 


10,300 00 


26,000 00 


26,455 00 


10,000 00 


7,400 00 


1162,000 00 


1 169,395 00 


31, 1896. 




f 12,500 00 




252,650 00 




1,280 81 




169,395 00 




4,463 75 




12,255 85 




6,626 64 




1,999 12 






f461,171 17 




t825 00 




6,364 00 




2,000 00 




74,099 51 





* Value of lands mortgaged, $109,200 00 

Value of buildings ihereoD 378,100 00 

Amount of iDsurance held at collateral, .... 294,86000 



ALBA14T mSUBANCE CO. 139 

Dnc and nccraed for rent, salaries, etc., . . $418 04 

Commissions and brokerage, .... 1,470 10 

Gross liabilities, except capital, , . 186,176 65 

Surplus as regards policy holders, 1^75,994 52 

Paid-up capital, 250,000 00 

Surplus oyer capital, . ^ \25 fi9^ b2 

Income. 

Fire premiums outstandlDg Dec. 81, 1895, . $8,667 61 
Same not collected, 175 25 



Net collected $8,492 86 

Premiums on risks written or renewed, . . 117,148 02 



Total, 1125,640 38 

Premiums now in course of collection, . . 6,626 64 



Entire premiums collected, .... $119,013 74 
Less reinsurance and return premiums, . . 14,090 38 

Net cash fire premiums received, . . . $104,923 36 

Interest received on mortgages, 12,631 39 

Interest and dividends received from all other sources, . . 9,323 68 

Income from rents, 858 32 

Income from agency profits, 3,593 10 

Gross cash income, $131,329 85 

ExPtNDITURFS. 

Caxh paid for fire losses, $61,311 68 

Deduct salvage and reinsurance, . . 8,470 43 

Net cash paid for fire losses, .... $52,841 25 

Cash dividends paid, 20,000 00 

Cash paid for commissions and brokerage, .... 18,020 59 

for salaries of ofiicers and employees, . . . 9,095 19 

for State and local taxes, 6,851 27 

for incidentals, 3,123 58 



Gross cash expenditures, $109,931 88 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire lisks written during 1896, 



Total 

Deduct risks expired and terminated, 

III force at end of year, . 
Deduct amount reinsured. 



Premlami. 

. $17,215,998 00 $166,086 66 
. 12,013,373 00 117,148 02 



$29,229,371 00 $283,234 68 
12,495,093 00 126,421 28 



.$16J34,278 00 $156,813 40 
529,769 00 5,002 76 



Net amount in force, . . . .$16,204,509 00 $151,810 64 



140 



AMERICAN IKSUBANCE CO. 



Miscellaneous. 
Premiums received from reorganizatioD of company, 
Losses paid from reorganization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from reorganization of company. 
Dividends declared during the year (8 per cent.), . 
Company^s stock owned by directors, .... 



f 1,489,432 00 

807,945 00 

52,994 00 

325,000 00 

20,000 00 

60,100 00 



"AMERICAN INSURANCE COMPANY," NEWARK, N. J. 

[Incorporated Feb. 20, 1846. Oommeooed batinest April 1, 1S46.] 

Paid-up Capital, $000,000. 



F. H. HARRIS, PtMident. J. H. WORDER, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Valae. 

United States bonds, tlOO,000 00 



North Hudson County, N. J., Railroad bonds, 

United New Jersey R.R. and Canal Co. bonds, 

Morris & Essex Railroad bonds, 

Lehigh Valley Railroad bonds, 

I-^ng Dock (Jersey City) bonds, 

Newark Gas Company bonds, . 

Mudison, N. J., township bonds, 



Summary of Assets Dec 
Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, 
Cash in the office of the company. 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
American Ins. Co stock, . . 170,000 00 
Prem*s more than three mos. due, 824 56 
Gross assets, 



100,000 00 
100,000 00 
100,000 00 
1 10,000 00 
125,000 00 
50,000 00 
25,000 00 



Maritet Valoe. 
^1 10,000 00 

103,000 00 
113,000 00 
139,000 00 
121,000 00 
166,250 00 
62,500 00 
25,312 50 



f 7 10,000 00 $840,062 50 

31, 1896. 

1 225,7 11 40 

1,549,145 75 

24,625 90 

840,062 50 

5,427 90 

40,684 75 

9,710 70 

51,713 36 

2,069 91 



12,749,152 17 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted. 

Total amount of losses, 
Less reinsurance. 



Net amount of unpaid losses, . 



t7,090 15 

18,009 09 

5,015 01 

130,114 25 
1,224 26 

•28,889 99 



* Total value of property mortgaged, 
Amonnt of Insaraoce held aa collateral, . 



tS,025,no 00 
1,884,725 00 



AMERICAN IKSUBANGE CO. 



141 



Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Dividends to policy holders unpaid, . 
Commissions and brokerage, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital. 



•498,740 41 

4,553 40 

1,753 00 

8,801 11 

869 67 



1543,107 58 



Surplus as regards policy holders. 
Paid-up capital. 



•2,206,044 59 
600,000 00 



Surplus over capital, 11,606,044 59 



Income. 
Fire premiums outstanding Dec. 81, 1895, 
Same not collected, 



Net collected, .... 
Premiums on risks written or renewed, 

Xotal, . . . • • . 
Premiums now in course of collection. 



•45,236 46 
408 89 

•44328 07 
658,504 73 

•703,332 80 
52,537 92 



•650,794 88 
125,676 72 



Entire premiums collected, .... 
Less reinsurance and return premiums, . 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents 



•525,118 16 

77,296 01 

41,353 91 

371 84 



Gross cash income, (644,139 92 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance. 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Dividends paid policy holders. 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



•227,897 62 
12,529 06 



•215,368 56 
60,596 75 
1,604 00 
99,045 79 
50,834 48 
22,416 10 
34,315 28 



Gross cash expenditures, 9484,180 96 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force. 



Premlanu. 

•106,957,196 00 •998,765 73 
69,375,965 00 658,504 73 



•176,333,161 00 ^1,657,270 46 
68,257,454 00 633,494 93 



•108,075,707 00 •1,023.775 53 
4,728,198 00 43,463 53 



•103,347/y09 00 •980,312 00 



142 



AMEBICAN CENTRAL INSURANCE CO. 



Miscellaneous. 

Preminms received from organizatioD of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company. 
Dividends declared during the year (10 per cent.), 
Company^s stock owned by directors, .... 



^9,853,477 00 

4,035,627 00 

192,854 00 

2,103,860 00 

60,000 00 

31,970 00 



'• AMERICAN CENTRAL INSURANCE COMPANY," ST. LOUIS, MO. 

[Incorporated Febmary, 1863. Commenced boaineaa February, 1853.] 
GEORGE T. ORAM, FretidenL JNO. H. ADAMS, Secretary. 

Paid-up Oapxtal, $600,000. 



Detailed Statement of Stocks 



Commonwealth Realty Co. bonds, . 

St. Louis Merchants^ Bridge Co. bonds. 

Union Depot R.R. Co. bonds, . 

St. Clair, Madison & St. L. Belt R.R. Co. bonds 

Laclede Gas Light Co. bonds, . 

St. Louis, C. B. & O. Railway bonds, 

St. Louis County Park bonds, • 

Jerseyville, 111., bonds, 

Mo Electric Light and Power Co. bonds 

Norbome, Mo., school bonds, . 

School Dist. No. 1, Cass Co., 111., bonds, 

De Soto, Mo., city funding bonds, . 

National Bank of Com., St. Louis, stock, 

Commercial Bank, St. Louis, stock. 

Third National Bank, St. Louis, stock. 

Mechanics^ Bank, St. Louis, stock, . 

Boatmen's Bank, St. Louis, stock, . 

Lacleile Gas Light Co. stock, . 



Securities held as collateral for cash loans : ~ 



AND Bonds. 

Par Valne. 

•100,000 00 

75,000 00 

76,000 00 

80,000 00 

52,000 00 

18,000 00 

15,000 00 

15,000 00 

82,000 00 

8,000 00 

8,000 00 

8,500 00 

180,000 00 

25,000 00 

23,200 00 

11,100 00 

10,000 00 

4,800 00 



Market Valae. 

$100,000 00 

78,000 00 

82,500 00 

27,000 00 

47,750 00 

20,000 00 

18,000 00 

16,000 00 

82,750 00 

8,000 00 

8,000 00 

3,500 00 

261,000 00 

58,750 00 

23,200 00 

2M20 00 

15.500 00 

4,180 00 



t685,600 00 t827,500 00 



Market Value. 
150,000 00 



57 

100 

10 

85 



u 



II 



M 



19,600 00 } 
Broadway Real Est. Co , St. Ix)U!s, Mo., 50,000 00 1 



Laclede Building Company^s bonds, 

800 shares American Brake Company, 

500 " 

Pub. Geo Knapp & Co., St. I»uls, Mo., 5,700 00 
Nan B'k of Commerce, St Louis, . 14,500 00 

^Mechanics^ Bank, St. Louis, . 2,200 00 

Miss. Valley Trust Co., St. Louis, . 2,900 00, 



lioaned Thermo. 
t45,000 00 

87,000 00 






12,800 00 



tU4,800 00 191,800 00 



AMERICAN CENTRAL INSURANCE CO. 143 



ScMMABT OP Assets Dec. 31, 1896. 

Cash value of unencumbered real estite, . |500,000 00 

Loans on mortgage of real estate (first liens ♦), 87,000 00 

Stocks and bonds, as per schedule, . . . 827,500 00 

Loans on collateral security, as per schedule, 94,800 00 

Cash in the office of the company, . . . 15,746 56 

Cash deposited in bank, 63,146 43 

Premiums in course of collection (gross), . 81,051 04 

Gross assets, 11,669,244 03 

Deduct special deposits in other States, 50,000 00 

Balance, 11,619,244 03 

LlABIUTIES. 

Losses adjusted, unpaid, t^^t^^S 94 

claimed and reported, .... 53,343 38 

disputed or resisted, .... 25,015 00 

Total amount of losses, {107,852 32 

Less reinsuninee, 7,851 71 

Ket amount of unpaid losses, .... 1^9,99761 

Unearned premiums on outstanding risks, . 663,504 71 

Commissions and brokernge, .... 12,157 65 

Reinsurance disallowed, 1,099 75 

Gross liabilities, except capital, . . |776,759 72 
Deduct liability on special deposits, . . 2,953 40 

'■ 773,806 32 

Surplus as re^rards policy holders, 1845,437 71 

Paid-up capital, 600,000 00 

Surplus over capital, ?24o,437 71 

Income. 

Fire premiums outstanding Dec. 31, 1895, . 192,970 47 
Premiums on risks written or renewed, . . 970,585 97 

Total, 11,063,556 44 

Premiums now in course of collection, . . 81,051 04 

Entire premiums collected, .... {^^2*^05 40 
Less reinsurance and return premiums, . . 171,392 65 

Net cash fire premiums received, . . 1811,112 75 

Interest and dividends received from all sources, . . . 53,524 84 
Incon>e from rents, 21,100 51 

Gross cash income, $885,738 10 

• Valae of lands mortgaged, $128,000 00 

Vaioe of bnlldlogi Uiereon, 114,600 00 

Amonoft of loannace b«ld u coUatoral 69,200 00 



144 



AMERICAN FIRE INSURANCE CO. 



Expenditures. 

Cash paid for fire losses, $518,960 30 

Deduct salvage and reinsuraDce, . . . 86,671 23 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for ct>mmissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, ..... 

for incidentals, 



t482,289 07 
60,000 00 
127,966 99 
67,932 18 
18,906 18 
98,192 83 



Gross cash expenditures, t855,286 75 



Risks and Premiums. 

Premlama. 

Fire risks outstanding Dec. 31, 1895, . $107,765,683 00 $1,336,391 04 
Fire risks written during 1896, . . 76,559,387 00 970,585 97 



Total, 

Deduct risks expire<l and teiminated, 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, . 



1184,325,070 00 $2,306,977 01 
74,207,438 00 ' 950,074 16 



$110,117,632 00 $1,356,902 85 
3,698,073 00 48,250 54 



$106,419,559 00 $1,308,652 81 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incuiTcd during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent). 
Company's stock owned by directors,' . . . . 



$17,720,198 00 
. 9,052,958 00 
. 463,109 00 
. 1,226,412 00 
60,000 00 
74,375 00 



"AMERICAN FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April 80, 1867. CommeDced basineM May 1, 1867.] 

Paid-up Capital, $400,000. 
FREDERICK W. DOWNER, PreHdent, SILAS P. WOOD, Secretarf. 



Detailed Statement or Stocks 



United States bonds, .... 
City of Brooklyn bonds, .... 
City of New York school bonds, 
Lake Gas Company^s (Chicago) bonds, . 
St. Louis & Iron Mountain Railroad bonds, 
Chicago & Northwestern Railway stock, 



AND Bonds. 

Par Value. 

f 200,000 00 

160,000 00 

100,000 00 

80,000 00 

10,000 00 

20,000 CO 



Market Valoa. 
$221,000 00 

154,626 00 
106,000 00 

28,600 00 
7,400 00 

20,150 00 



AMEBIC AN FIRE INSURANCE CO. 



145 



Lake Shore & Michigan Southern R^y Co stock, 
Chicago, Milwaukee & St. Paul R*y Co. stock, 
Baltimore & Ohio Railroad stock, . 
Merchants^ National Bank stock, 
Phcenix National Bank stock, . 
American Exchange National Bank stock, 
Mechanics'* National Bank stock. 
Western Union Telegraph Company stock, 
United States Mortgage Company stock. 
United States Trust Company stock. 
Metropolitan Trust Company stock, 



Securities held as collateral for cash loans : — 

90 shares Hanoyer National Bank, • 
90 shares Union Trust Co , 



Par Valae. 

$20,000 00 
20.000 00 
60,000 00 

6,000 00 

4,000 00 
20,000 00 

5,000 00 
80,000 00 
10,100 00 

2,600 00 
10,000 00 



Market Yalae. 
t30,300 00 

26,400 00 

8,250 00 

6,700 00 

4,320 00 

84,600 00 

9,650 00 

24,976 00 

20,806 00 

27,126 00 

80,500 00 



•686,600 00 $760,601 00 

Marit«t Valne. Loaned Thereon. 

$28,350 00 $20,000 00 

24,900 00 15,000 00 



$53,260 00 $36,000 00 



Summary of Assets Dec. 31, 1896. 



Loaas on mortgage of real estate (first liens *), 
Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and acx^rued, 
Preniiams in course of collection (gross), 
Retarn premiums and reinsurance, . 
Prem^ more than three mos. due, $1,111 19 
Gross assets,t 



$14,600 00 

120 84 

760,601 00 

85,000 00 

1,042 65 

65,826 46 

6,400 83 

87,907 71 

776 98 



$972,076 37 



Liabilities. 



Losses adjusted, unpaid, . 
claimed and reported, 
disputed or resisted. 

Total amount of losses. 
Less reinsurance. 

Net amount of unpaid losses. 
Unearned premiums on outstanding risks. 
Unpaid scrip ordered to be redeemed. 
Interest due or accrued on scrip. 




$21,832 28 

85.617 64 

9,466 17 

$66,906 09 
15.467 70 

$61,438 39 

808,564 36 

2,133 00 

6,388 70 



• Valna of hnde mortgftfed, t21,600 00 

Value of building* thereon, 14,600 00 

▲mooX of iaenrenoe held m ooUetanl, . • • . 14,000 00 

t Inclodlns $115,000 epecUI reeerre foad held nnder New York lew. 



146 



AMERICAN FIRE INSURANCE CO. 



Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital. 

Surplus as regards policy holders, . 
Faid-up capital, . . . . « 



Surplus over capital. 



•5,060 11 

12,412 86 

12,991 66 

1,545 68 



1399,584 74 

1572,541 63 
400,000 00 

1 172,54 1 63 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, • 



•98,261 76 
682,341 93 



Total f 780,603 69 

Premiums now in course of collection, . . 89,018 90 



Entire premiums collected. 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 
Interest received on mortgages. 



•691,584 79 
114,212 13 



Interest and dividends received from all other sources, . 
Received for increased capital, .... ^7^50 00 

Received for surplus fund, .... 1,25000 



•577,372 66 

725 00 

26,158 08 



Gross cash income, ^604,255 74 



£xrENDrrcRES. 

Cash paid for fire losses, •499,980 46 

Deduct salvage and reinsurance, . . • 220,239 34 

Not cash paid for fire losses, . . . • 

Cash paid for commissions and brokerage, . . . « 

for salaries of officers and employees, . 

for State and local taxes, 

for rent and incidentals, 



•279.741 12 

103,918 74 

46,186 28 

10,513 00 

66,199 71 



Gross cash expenditures, ^506,558 85 



Risks and PRsificrHS. 

Preniloms. 

Fire risks outstanding Dec. 31, 1895, . •128,013,252 00 •1,876,232 28 
Fire risks written during 1896, . . 71,049,605 00 682,341 93 



Total, 

Deduct risks expired and terminated, 

In force at end of year, , 
Deduct amount reinsured, 

Net amount in force, 



•199,062,857 00 •2,058«574 21 
106,249,818 00 1,138,539 28 



•92,813,039 00 •920,034 93 
34,645,891 00 349,620 46 



•58,167,148 00 •570,414 47 



AMERICAN FIBE INSURANCE CO. 



147 



Miscellaneous. 

Premiams received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Company ^s stock owned by dtrectors, . • . . 



113,585,519 00 
. 7,658,941 00 
249,855 00 
, 1,456,000 00 
. 148,100 00 



"AMERICAN FIRE INSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated Feb. 28, 1810. Commenced bneineea March 12, 1810.] 

PAn>-np Capital, $500,000. 
THOS. H. MONTGOMERY, Pr€9idetU, RICHARD MARIS, Secretary, 



Detailed Statement of Stocks 



Steubenyille & Indiana Railroad bonds, . 
Belt Road and Stock Yard bonds, . 
Chicago & Western Indiana Railroad bonds, 
Pbiladelphia ik Reading Railroad bonds, 
North Pennsylvania Railroad bonds, 
Virginia & Tennessee Railroad bonds, . 
Georgia State bonds, .... 
Delaware & Chesapeake Railroad bonds, 
Hontiogdon & Broad Top Mt R.R. bonds, 
HuDtingdon & Broad Top Mt R.R. car trust. 
Corning, Cowanesquc & Antrim R R. bonds, 
Philadelphia & Reading Railroad bonds, 
Lehigh Valley Railroad bonds. 
Mortgage Trust Company, Pa., bonds, . 
ftliddlesex Banking Company bonds, 
Xorthem Central Railroad bonds, . 
Northern Pacific & Montana Railroad bonds, 
Penn. & New York Canal and Railroad bonds 
Portland city water bonds, 
N. W. Gnaranty Loan Company bonds. 
Wheeling & Lake Erie exten. imp. bonds 
Buffalo Street Railroad bonds, . 
Hoghesyille water bonds, 
Pitts., Gin , Cbic. & St. Louis R.R. bonds 
Springfield water bonds, . 
United Electric securities, 
Terre Haute & I/Ogansport R.R. bonds, 
Uhigh Valley Railroad bonds, 
Lehighton water bonds, . 
Camden & Atlantic Railroad bonds, 
Pittsbnrgfa, Chartiers & Yough. bonds. 



AND Bonds. 

Par Value. 
121,000 00 

20,000 00 
12,000 00 
62,000 00 
26,000 00 
25,000 00 
25,000 00 

5,000 00 
10,000 00 
10,000 00 

2,000 00 
25,000 00 
51,000 00 
25,000 00 
25,000 00 
19,000 00 
30,000 00 
50,000 00 
60,000 00 
S0,000 00 
15,000 00 
20,000 00 
17,000 00 
80,000 00 
10,000 00 
10,000 00 
25,000 00 
25,000 00 

4.000 00 
15.000 00 
10,000 00 



Marltet Value. 

123,100 00 
20,760 00 
12,600 00 
50,762 60 
81,720 00 
25,000 00 
28,250 00 

4,466 66 
10,600 00 
10,125 00 

2,020 00 
25,750 00 
62,220 00 
25,104 16 
25,125 00 
21,660 00 
11,400 00 
53,500 00 
57,500 00 
12,500 00 
13,500 00 
21,400 00 
17,000 00 
82,550 00 
10,800 00 

9.458 84 
18,750 00 
24,750 00 

4,100 00 
17,550 00 

9,000 00 



148 



AMERICAN FIRE INSURANCE CO. 



Omaha Loan & Trust Company bonds, . 

Noi-folk & Western car trast bonds, 

Ashtabula & Pittsburgh Railroad bonds, . 

Seaboard & Roanoke Railroad bonds, 

Electric and People's Traction Trust cert^s, 

20 shares Philadelphia Bourse, 

18 shares Phil. & Lancaster Turnpike Co., 

Berwin Water Company bonds, 

Second Avenue Traction Co , Pittsburgh, bonds, 

Company^s own stock, . . $3,045 00 



Securities held as collateral for cash loans 

Lehigh Coal & Navigation Co. bonds, 
200 shares Allegheny Valley Railway, 
181 *' National Lead Co , . 
600 " Union Traction Co., 
125 " Union Tnist Co., . 
100 « Philadelphia Traction Co., 
Electric & People^s Railway bonds, . 
40 shares Commonwealth Title Ins. Co. 
100 " Philadelphia Traction Co., 
100 " Welsbach Light, . 
Second Avenue Traction Co., Pittsburg, 
Shamokin & Mt. Carmel Electric R^y Co., 
200 shares Choc.,Okl. & Gulf voting trust certs.. 



Par Value. 
1 10,000 00 

12,000 00 
15,000 00 
20,000 00 
85,000 00 
1,000 00 
40 50 
10,000 00 
11,000 00 



Mailcet ValB«. 
tlO,000 00 

9,600 00 

17,400 OQ 

18,000 OO 

24,587 50 

200 00 

40 50 

9,500 00 

11,880 00 



t818,040 50 $793,179 66 



Market ValM. 

•8,810 00 
1,600 00 > 

11,897 00 
5fi50 00 
6.875 00 
6,700 00 
1,400 00 J 
2,600 00 
6,700 00 
4,200 00 
8,090 00 
5,000 00 j 
1,450 00 



Loaned Thereon. 
$2,500 00 



28,000 00 



1 

I 



2,200 00 



15,000 00 



1,000 00 



$60,672 00 $48,700 00 



SUHHART OF ASSETS DeC. 81, 1896. 

Cash value of unencumbered real estate, . $265,758 49 

Loans on mortgage of real estate (first liens'^), 1,147,666 29 

Interest due or accrued thereon, . . • 26,948 84 

Stocks and bonds, as per schedule, . . . 798,179 66 

Loans on collateral security, as per schedule, . 48,700 00 

Cash in the office of the company, . . . 11,150 70 

Cash deposited in bank, 104,928 65 

Interest due and accrued, 268 88 

Premiums in course of collection (gross), . 100^04 01 

Rents due and accrued, 28,861 44 

Gross assets $2,522,745 96 

Deduct special deposits in other States, 57,500 00 

Balance, $2,465,245 96 

* Value of landa mortRaged $1,366,600 00 

Value of bulldlDgi thereon, 1,806,20100 

Amount of Ineurenee held rs oollatenl, .... 910,882 00 



AMERICAN FIBE INSUBANCE CO. 



14& 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies. 
Commissions and brokerage, . 
Reinsurance disallowed, . 



Gross liabilities, except capital, 
Deduct liability on special deposits. 

Surplus as regards policy holders, . 
Faid-up capital, ... 



Surplus oyer capital. 



tl8,885 17 

86,194 74 

18,523 05 

855,949 95 

564,564 87 

17,488 78 

3,467 52 

$1,563,524 08 
13,453 52 



1 1,550,070 56 

$915,175 40 
500,000 00 

$415,175 40 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 
I^ss reinsurance and return premiums, . 
Net cash fire premiums received, . 
Interest received on mortgages. 



$91,616 51 
. 1,511,766 97 

. $1,603,383 48 
100,804 01 

. $1,502,579 47 
282,278 73 



Interest and dividends received from all other sources. 

Income from rents, 

Income from all other sources, 

Deposits received for perpetual fire risks, $13,842 5Q 



$1,220,300 74 

59,513 39 

39,790 87 

7,112 08 

8,258 85 



Gross cash income, $1,329,975 38 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 

for expenses on real estate, 

Deposits returned on perpetual fire risks, . $12,626 20 



$735,389 65 

30,000 00 

228,845 24 

105,250 00 

27,916 49 

87,819 22 

8,185 52 



Gross cash expenditures, $1,223,356 12 



150 



ARMENIA INSURANCE CO. 



Risks and Premiums. 



Fire risks oulstaniling Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force. 

Perpetual risks in force (not incPd above). 



$152,958,306 00 
123,123,289 00 

$276,081,595 00 
122,021.435 00 

1154,060,160 00 
7,754,105 00 



Praniams. 

$1,928,295 34 
1,511,766 97 

$3,440,062 31 
1,555,011 88 

$1,885,050 43 
90,787 88 



$146,306,055 00 $1,794,262 55 
$23,213,444 00 $616381 42 



Miscellaneous. 

Premiums received from organization of company, • 
Losses paid from organization of company, . 
Fire losses incun'ed during the year, .... 
Cash dividends declared from organization of company. 
Dividends declared during the year (6 per cent), . 
Company ^8 stock owned by directors, .... 



$31,290,933 00 
18,674,605 00 
661,808 00 
2,728,935 00 
30,000 00 
24,400 00 



"ARMENIA INSURANCE COMPANY OF PITI'SBURG, PA.,'* 

PITTSBURG, PA. 

[Incorporated March 26, 1872. Commeneed baalneM May 15, 1872.] 

Paid-up Capital, $260,000. 
J. 0. WAINWRIOHT, PreHdent, W. D. McOILL, Seerttary, 

Detailed Statement of Stocks and Bonds. 



Westinghouse Machine Co. bonds, . 
Bimi^iiam, Knox. & Allent'n Tract. Co. bonds, 

10 shares Capital Stock Investors^ Co., . 
100 '' National Lead Stock, 



Securities held as collateral for cash loans : — 

148 shares Consolidated Traction Co., . 
Birm^ham, Knox. & Allent^n Tract. Co. bonds, 
100 shares Ben. Franklin Ins Co., . 
100 •• Bank of Secured Savings, 
Chartiers Vallev Gas Co. bonds, 
100 shares Philadelphia & Reading R.R. Co., . 
100 ** Southern Railway Co., . 
Birm^ham, Knox. & Allent'n Tract. Co. bonds, 
Loaned on conipanj^s own stock, . |5,000 00 



Par Value. 


MaikeC Value. 


f 10,000 00 


1 10,000 00 


16,000 00 


13,500 00 


1,000 00 


1,000 00 


10,000 00 


8,900 00 


136,000 00 


t33,400 00 


Market Yalac ] 


Loaned Thereon. 


•6,216 00 


t5,000 00 


6,800 00 


6,000 00 


6,000 00 


3,000 00 


6,000 00 


8,000 00 


9,000 00 


6,600 00 


1,250 00 I 
2,700 00 S 


2,600 00 


1,800 00 


1,000 00 



138,266 00 186,100 OO 



ARMENIA INSURANCE GO. 



151 



Summary of Assets Dec. 81, 1896. 



Cash yalae of unencumbered real estate, 
Loans on mortgage of real estate (tirst liens *) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross). 
Rents due and accrued, .... 
Gross assets, • • . . . 



$46,797 17 

242,580 31 

4,641 84 

83,400 00 

25,100 00 

2,548 89 

7,068 58 

370 00 

25,046 19 

685 00 



1888,227 48 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted. 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Gross liabilities, except capital. 

Surplus as regards policy holders, . 
Paid-up capital, .... 



15,^42 07 
7,971 57 
1,666 66 

95,188 76 
5,009 24 



114,878 80 



. 1273.319 18 
250,000 00 



Surplus over capital, 123,349 18 



Income. 

Fire preroinms outstanding Dec. 81, 1895, 
Premiums on risks written or renewed, . 



125,097 85 
159,588 98 



Total $184,631 38 

Premiums now in course of collection, . • 25,046 19 



Entire premiums collected, .... 1159,585 14 
Less reinsurance and return premiums, . . 22,191 98 

Net cash fire premiums received, . . . 1137,393 21 

Interest received on mortgages, 15,114 55 

Interest and dividends receiyed from all other sources, . . 3,000 00 

Income from rents» • 2,122 71 

Gross cash income, f 157,680 47 

• Valne of lands mortgaged, $401,800 00 

Valae oi bnUdinga thoreoo, fifiO.OOO 00 

Amount of Imaranee held ai oollateral SX)2,800 00 



152 



ASSURANOE IXOTDS OF AMERICA. 



Expenditures. 
Cash paid for fire losses, f 72,011 77 

Deduct salvage and reinsurance, . . . 1,847 13 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 



170,164 64 
5,000 00 
37,247 96 
6,600 00 
3,007 06 
9,150 32 



Gross cash expenditures, 1130,169 98 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



.112,813,906 00 
. 14,175,761 00 



. 126,989,667 00 
. 12,650,691 00 



PnunliimB. 

1164,726 74 
159,533 98 

1324,260 72 
142,590 61 



.114,338,976 00 |181,670 11 



Miscellaneous. 

Premiums received from organization of company, • 
Losses paid from organization of company, . . • 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company. 
Dividends declared during the year (2 per cent.), . 
Company^s stock owned by directors, .... 



11,492,777 00 

761,572 00 

68,326 00 

342,600 00 

5,000 00 

102,800 00 



" ASSURANCE LLOYDS OF AMERICA,'' NEW YORK, N. Y. 

[looorporated Feb. 16, 1802. OommeDoed bntineM Dee. 20, 1803.] 
B. O. BATHBONB 9t SON, Managers, 

Summary' OF Assets Dec. 31, 1896. 

United States bonds $570,000 00 

Cash deposited in bank, 57,625 91 

Interest due and accrued, 4,166 67 

Premiums in course of collection (g^ss), . 69,707 17 

Gross assets, $701,499 75 

Liabilities. 
Losses adjusted, unpaid, |4,664 65 

Losses claimed and reported, .... 27,217 05 

Total amount of losses, 131,881 70 

Less reinsurance, 833 33 

Net amount of unpaid losses, .... 131,048 37 



A8SUBANGE IXOTDS OF AMERICA. 153 



Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums and i*einsurance, . 

Guarantee fund, 

Gross liabilities, except capital. 



1141,844 00 
8,139 72 

23.044 11 

60,000 00 
$264,076 20 



Surplus as regards policy holders, ..... f 437,423 55 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 



Entire premiums collected. 

Less reinsurance and return premiums, . 

Ket cash fire premiums received, 



158.616 26 
439,181 08 

»497,797 34 
69,707 17 

1428,090 17 
141,827 19 



1286.262 98 



Interest and dividends received from all sources, . . . 24,355 98 



Gross cash income, 1310,618 96 

Expenditures. 

Cash paid for fire losses, 1136,558 10 

Deduct salvage and reinsurance, . . . 15,633 42 

Net cash paid for fire losses, .... 1120.924 68 

Cash dividends paid 31,000 00 

Cash paid for commissions and brokerage, .... 89,642 59 

for salaries of officers and employees, • . . 4.450 00 

for State and local taxes, 3,405 87 

for incidentals, 2,234 92 

for retiring subscribers, 43,525 31 



Gross cash expenditures, 1295,183 37 

Risks and Premiums. 

Fire risks outsUndiog Dec. 31, 1895, . . 129,308,520 00 $287,614 92 

Fire risks wntten during 1896, . . . 56,060,888 00 439,181 08 



Total, 185,369.408 00 $726,796 00 

Deduct risks expired and terminated, . . 54,329,368 00 434,618 74 



In force at end of year, $31,040,040 00 $292,177 26 

Deduct amount reinsured, .... 902,426 00 8.489 25 



Net amount in force, .... $30,137,614 00 $283,688 01 



154 



ATLANTIC MUTUAL INSURANCE CO. 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 

Fire losses incurred during the year 

Cash dividends declared from organization of company, 
Dividends declared during the year, .... 



1922,352 00 

283,481 00 

151,973 00 

59,234 00 

31,000 00 



"ATLANTIC MUTUAL INSURANCE COMPANY," 

NEW YORK, N. Y. 

[Incorporated April 11, 1842. Commenced baslneM July 1, 1842.] 
W. H. H. MOORE, PreHdent. JOSBPH H. CHAPMAN, Seereimy. 



Detailed Statement of Stocks 



American Exchange Bank stock, 

Bank of America stock, . 

Bank of Commerce stock, 

Bank of New York stock. 

Leather Manufacturers* Bank stock, . 

Merchants* Bank stock, . 

Mechanics* Bank stock, . 

Manhattan Company stock, 

Market & Fulton Bank stock, . 

Phenix Bank stock, .... 

Atlantic Trust Co. stock, . 

Consolidated Gas Company stock, . 

New York City stock, 

Long Island Railroad Company stock, 

N. Y. Central & Hudson River R.R. stock, 

N. Y. Central & Hudson Kiver R R. bonds. 

New York, Chicago & St. Louis R.R. bonds, 

West Shore Railroad bonds, 

Brooklyn & Montauk Railroad bonds, 

Brooklyn City Park bonds, 

Jersey City water bonds, 

District of Columbia bonds, 

United States bonds, 



AND Bonds. 

Far Value. 

190,000 00 

50,000 00 

64,100 00 

94,200 00 

25,600 00 

70,150 00 

47,675 00 

18,000 00 

80,000 00 

71,340 00 

127,500 00 

50,000 00 

191,600 00 

50,000 00 

660,000 00 

139,000 00 

200,000 00 

200,000 00 

75,000 00 

122,000 00 

100,000 00 

400,000 00 

5,150,000 00 



Market Value.* 
190.000 00 

50,000 00 

64,100 00 

94,200 00 

25,600 00 

70,150 00 

47,675 00 

18,000 00 

30,000 00 

71,340 GO 

127,500 00 

50.000 00 

178,740 00 

25,000 00 

528,000 00 

111.200 00 

150,000 00 

150,000 00 

60,000 00 

109,800 00 

100,000 OO 

280,000 00 

4,800,000 00 



18,026,165 00 17,226,305 00 



Securities held as collateral for cash loans : — 

Fourth National Bank stock, .... 
Consolidated Gas Co. of New York stock, 



Market Talaa. Loaned Thereon. 

111,000 00 } 122.000 00 
22,500 00 > 



* Batlmated for tbe purpose of permanent inreetmcnu 



ATLANTIC MUTUAL INSURANCE CO. 



155 



Chicago & Xorthwestem Railway stock, 

Chicago, Milwaukee & St. Paal Railway slock, 

Delaware, LackawaDua & Western R.K. stock, 

IlliDois Central R.R. stock, 

Phenix National Bank stock, . 

Bank of New York stock, 

^lahoning Coal R.R. Co. stock, 

American Sugar Refining Co. stock, 

U. S. Leather Co. stock, .... 

Mahoning Coal R.Et. Co. bonds, 

Long Island City and Flushing R.R. Co. bonds 

Gold and Stock Telegraph Co. bonds, 

Great Northern R.R. stock, 

Wagner Palace Car Co. stock, . 

Lake Erie & Western R.R. stock, 

Iowa Central R R. bonds, . 

llissouri Pacific bonds. 

Col., Hocking Valley & Toledo Railway bonds, 



135,000 00 



Market Valae. Loaned Thereon. 
116,000 00 

7,600 00 
16,500 00 

4,500 00 
10,500 00 8,000 00 

2,400 00^ 
10,000 00 

8,300 00 

1^00 00 

8.450 00 

2,300 00 

500 00>' 
60,000 00^ 
28,600 00 
19,500 00 

5,000 00 

4,500 00 

1,700 00 J 



> 15,000 00 



100.000 00 



1280,160 00 1180,000 00 



Summary of Assets Dec. 81, 1896. 



Cash valae of unencumbered real estate,* 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, . 
Cash deposited in bank and with £ng. bunkers, 
Notes taken for uiariue and inland risks. 

Gross assets, ...... 



1760,000 00 
7,226,305 00 

180,000 00 
2,802,851 22 

848,596 96 



111.312,753 18 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and repoited, . 

disputed or resisted, 
Unearned premiums on outstanding risks. 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip. 
Return premiums, .... 

lucidenrals 

Gross liabilities, except scrip, . 



$76,579 90 

1,027,918 10 

86,800 00 

1,047,955 31 

199,026 48 

48.402 97 

145,557 04 

19,332 63 



2,651,672 43 



Surplus as regards policy holders, 18,661,180 76 

Sciip outstanding, not ordered to be redeemed, . . . 7,261,160 00 



Surplus over scrip, $1,400,020 76 



BftUiDAted for the pnrpow of permanoot ioTestmcDt. 



156 



BUFFALO GERMAN INSURANCE CO. 



Income. 

Cash marine premiums received, 12,885,088 50 

Interest and dividends received from all soarces, . . . 478,944 54 

Income from rents, 48,225 00 

Income from all other sources, 1,210 00 



Gross cash income, . * 12,858,468 04 

Expenditures. 

Cash paid for marine and inland losses, . . 11,249,999 01 
Deduct salvage and reinsurance, . . . 97,707 07 

Net cash paid for marine and inland losses, . 11,152,291 94 

Cash paid for redemption of Scrip, 762,870 00 

Interest paid scrip holders, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 



Gross cash expenditures, • 



426,687 80 
19381 56 

408,259 95 
40,161 74 



12^04,052 99 



Maiine risks outstanding Dec. 81, 1895, 
Marine risks written during 1896, . 



Risks and Premiums. 

Premiomi. 

1107.688,910 00 11,109,275 00 
869,754,507 00 2,596,788 89 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 



$477,888,417 00 $8,706,063 89 
869,618,749 00 2,668,108 58 



$107374,668 00 $1,047,955 SI 



Miscellaneous. 
Marine and inland losses incurred during the year (estimated), $924^51 00 



** BUFFALO GERMAN INSURANCE COMPANY," BUFFALO, N. Y. 

[looorponited Feb. 16, 1807. Commenced bnsloeM Feb. 16, 1867.] 

Paxd-ttp Capital, $200,000. 
PHILIP BECKER, PreHdeni, OLIVER J. EGOBRT, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

1564,500 00 
25,000 00 
86,250 00 
38,000 00 
45,000 00 
18,428 52 



Buffalo city bonds, 

State of New York stock, 
Buffalo & Southwestern Railroad bonds, 
Tonawanda Gas Company bonds, . 
Third Nadonal Bank, Buffalo, stock, 
Buffalo, N. Y., city warrants* • 



Martet Valve. 

1564,500 00 
25,000 00 
36,250 00 
33,000 00 
49,500 00 
18,428 52 



1722,178 52 f726,678 52 



BUFFALO GERMAN INSURANCfi GO. 



157 



Sccarities held as collateral for cash loans 

German Bank, Buffalo, N. Y., stock, 
Milsom Rendering Co., Buffalo, N. Y., stock, 
Citizens Gas Co , Buffalo, N. Y., bonds, . 
Citizens Gas Co., Buffalo, N. Y., stock, . 
Buffalo Street R.R. Co. bonds, . 
Exchange Elevator Co., Buffalo, N. Y., stock, 
German Bank, Buffalo, N. Y., stock, 
Buffalo Loan, Titist and Safe Dep. Co. stock, 
Union Bank, Buffalo, N. Y., stock, . 
Co-operatiye Brewing Co , Buffalo, stock. 
Co-operative Store Co , Buffalo, stock, . 
CoK>peratiTe Brewing Co., Buffalo, stock, 
German American Bank, Buffalo, stock, • 
Union Bank, Buffalo, stock, 
Buffalo Southwest R.R. Co. bonds, . 
Thomson-Houston Elec. Light & Power Co. b'ds, 
Buffalo General Electric Co., bonds. 
Crystal Water Co., Buffalo, stock, . 
General Production Co., Pittsburg, Pa., stock, 
International Brewing Co., Buffalo, stock, 
Magnus Beck Brewing Co., Buffalo, stock. 
Fidelity Trust and Guaranty Co., Buffalo, stock, 
German Bank, Buffalo, stock, • 
German Bank, Buffalo, stock, . 
Union Fire Insurance Co., Buffalo, N. Y., stock, 
Citizens^ Gas Co., Buffalo, bonds and stock, . 



Varket Valae. 
124,000 00 } 
6,000 00$ 
40,000 00 ) 
40,187 50 S 
6,000 00 
1,000 00 
8,000 00^ 
6,000 00 
4,400 00 
4,600 00 
8,700 00 J 
8,000 00 
2,200 00 
1,000 00 
6,776 00 
8,000 00 
1,000 00 
8,000 00 
1,260 00 
2,090 00 
496 00 
6,000 00 
12,000 00 
12,000 00 
1,200 00 
10.500 00 



} 



} 



Loaned Thereon. 

110,000 00 

52,000 00 

4,000 00 
700 00 



20,000 00 

2,000 00 
2,700 00 

8,000 00 

2,000 00 
2,000 00 
4,600 00 

12.900 00 



•211,297 60 1120,800 00 



Sdhmary of Assets Dec. 81, 1896. 

Cash value of unencumbered real estate, . 1310,068 19 

IxHtns on mortgage of real estate (first liens *), 536,395 00 

Interest due or accrued thereon, ... 8,477 15 

Stocks and bonds, as per schedule, . . . 726,678 52 

Loans on collateral security, as per schedule, • 120,800 00 

Cash in the office of the company, . . . 3,549 94 

Cash deposited in bank, 116,632 82 

Interest due and accrued, 3,896 67 

Premiums in course of collection (gross), . 44,193 50 

Notes taken for marine and inland risks, « 2,980 28 

Bents due, 1,608 76 

Gross as8€Jl8. f $1,870,280 83 

• Valoe of lands mortgaged $789,100 00 

Valae of baiUlngt Uiereon, 685,195 00 

Amomii of Insaranoe bald ai ooUateral, .... 800,125 00 

t Inelodlog $200,000 speoial naeire fond held nnder Mew York law. 



158 



BUFFALO GERMAN INSURANCE GO. 



Liabilities. 

Losses adjasted, nnpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Gross liabilities, except capital. 

Surplus as regards policy holders, . 
Paid-up capital, .... 



15,109 17 

13,468 75 

1,000 00 

840,455 10 

8,597 97 



1368,630 99 



. 11,501,649 8^ 
. 200,000 00 



Surplus over capital, 11,301,649 84 



Incomr. 

Fire premiums outstanding Dec. 31, 1895 
Same not collected, .... 



Net collected, . 
Premiums on risks written or renewed. 



Total, 

Premiums now in course of collection, 

Entire premiums collected. 
Less reinsurance and return premiums. 
Net cash fire premiums received. 
Interest received on mortgages. 
Interest and dividends received from all 
Income from rents, .... 
Income from brokerage, • • 



other 



$44,962 37 
247 02 

144,715 35 
465,841 85 

•510,557 20 
44,193 50 

1466,363 70 
71,128 41 



sources, . 



1395,235 29 

30,753 73 

28,560 42 

20,026 55 

2,095 52 



Gross cash income, . $476,671 61 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance. 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



1164,060 82 
1J92 49 



1162,268 33 
60,000 00 
83,405 93 
28,903 80 
9,400 20 
31,941 45 



Gross cash expenditures, 1375,919 71 



THE CAPITAL FIRE IN8UBAKCE CO. 



159 



Risks and Pbemiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 

Total, •...•. 
Deduct risks expired and terminated, 



In force at end of year, . 
Deduct amount reinsured. 



.165,211,806 00 
. 41,217,234 00 



Premlams. 

1713,842 91 
465,841 85 



$106,428,540 00 f 1,179.684 76 
. 42,789,048 00 488,079 07 



163,689,492 00 f691,605 69 
1,817,490 00 12,188 10 



l^et amount in force, 162,372,002 00 $679,417 59 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, • . • 
Cash dividends declared from organization of company 
Dividends declared during the year (30 per cent.), 
Company^s stock owned by directors, 



$8,595,555 00 

4,883,680 00 

158,452 00 

' 935,925 00 

60,000 00 

58,300 00 



"TIIE CAPITAL FIRE INSURANCE COMPANY OF CONCORD, N. H.," 

CONCORD, N. H. 

[Incorporated March 10, 1886. Commeseed bnsfneM March 19, 1886.] 

Paib-up Cafitai., 1200,000. 
LTMAN JACEMAN, PreHdeiU. CHARLES L. JACKMAN. Secretaty. 



Detailed Statement of Stoces 



City of Portsmouth, N. H., bonds, • 
City of Dover, N. H , bonds, . 
City of Concord, N. H., bonds, . 
Kew Hampshire Tmst Co. bonds, . 
Iowa l^an and Tmst Co. bonds, 
Muscatine Mortgage and Trust Co. bonds, 
City Water Co.» Merrill, Wis., bonds, 
Clinton, Iowa, water works bonds, . 
Windsor Land and In. Co , Denver, Col, bonds 
Spokane & Palonse R R Co. bonds. 
Central Loan and Debenture Co. bonds, . 
Winfield Water Co. bonds, 
Johnson L. and T. Co., Ark. City, Kan., bonds. 
Grand Forks, Dak., Gas and Electric Co. bonds, 
Davidson Invest. Co., Wichita, Kan., bonds, . 
Wichita, Kan., Water Co. bonds. 
Metropolitan West End R.R. Co. bonds, . 



AND Bonds. 

Par Valae. 
140,000 00 

26,000 00 
26,000 00 
8,100 00 
5,000 00 
4,250 00 
5,000 00 
5,000 00 
5,000 00 
5,000 00 
4,000 00 
8.000 00 
1,905 00 
2,500 00 
2,000 00 
2,000 00 
2,000 00 



Market Valae. 

$42,400 00 
27,560 00 
26,500 00 
6,480 00 
5,000 00 
4,250 00 
5,000 00 
5,000 00 
5,000 00 
5,000 00 
4,000 00 
2,400 00 
1,524 00 
2,500 00 
500 00 
2,000 00 
2,000 00 



160 



THE CAPITAL FIRE INSURANCE CO. 



Nebraska Loan and Trust Co. bonds, 
Kingman, Kansas, Water Co. bonds, 
60 shares C. & M. R.R., .... 
25 " Page Belting Co , Concord, N. H., 
25 ** Prescott Piano Co., Concord, N. H., 

1 " Amoskeag Manafactaring Co., 

2 " Nashua Manufacturing Co., 
2 '• West Side Construction Co., . 

Town of Montrose, Col., bonds, 
Denver Consolidated Electric Co. bonds, 
20 shares Pullman Palace Car Co., . 



Par Vala«. 


Mjirket ValiM. 


11,000 00 


fl,000 00 


1,000 00 


1,000 00 


6.000 00 


10,320 00 


2,500 00 


1,875 00 


2,500 00 


2,500 00 


1,000 00 


1,600 00 


1,000 00 


1,070 00 


200 00 


200 00 


800 00 


800 00 


1,000 00 


1,000 00 


2,000 00 


8,200 00 



1164,755 00 1171,679 00 



Summary of Assets Dec. 31, 1896. 



Cash value of unencumbered real estate. 

Loans on mortgage of real estate (first liens •) 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Cash in the ofTice of the company, . 

Cash deposited in bank, . 

Interest due and accrued. 

Premiums in course of collection (gross) 

Rents due and accrued, 

Reinsurance, 

Gross assets, .... 



$100,387 03 

79,820 00 

1,037 71 

171,679 00 

2,600 90 

12.849 38 

1,078 84 

40,877 57 

580 66 

834 25 



1411,244 84 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc , 
Due for borrowed money, . 
Commissions and brokerage, . 
Return premiums, reinsurance, etc.. 
Gross liabilities, except capital, 



Surplus as regards policy holders. 
Paid-up capital. 



15,250 17 

4,203 64 

2,076 00 

137,889 78 

2,505 95 

13,000 00 
8,446 27 
7,362 93 



180,683 74 

1230,561 10 
200,000 00 



Surplus over capital, $30,561 10 



• Valae of lands mortgaged, • $80,025 00 

Value of butldlnga thereoo / • • • 09,076 00 

Amoaot of tosuraoca held aa oollatoral, .... 05,000 00 



THE CAPITAL FIRE INSURANCE CO. 



Ifil 



Incomb. 

Fire premiams oatstanding Deo. 81, 1895, 
Same not collected, 



Net collected, 

Premiams oq risks written or renewed, . 



Total, 

Premiams now in course of collection, . 

Entire premiams collected. 
Less reinsurance and return premiums, . 
Net cash tire premiums received. 
Interest received on mortgages. 



161,217 35 
5.931 67 

145,285 68 
282,922 64 

13284208 32 
40,377 67 

1287,830 75 
107,987 64 



Interest and dividends received from all other sources, . 

Income from rents, 

Profit on sale of investments, 



1179343 11 

2,911 18 

6,396 33 

6,641 75 

612 50 



Gross cash income, |195,304 87 



Expenditures. 

Cash paid for fire losses, |133,068 66 

Dedoct salvage and reinsurance, . . . 18,914 59 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

for rent and incidentals, 

for expenses on real estate, 



1114,154 07 
8.000 00 
41,960 79 
7,329 65 
4,961 19 
6,064 38 
2,112 42 



Gross cash expenditures, 1183,582 50 



Risks and PRKmuMS. 



Fire risks outstanding Dec. 81, 1895, 
Fire risks written during 1896, 



Total, . . . . . 

Dedoct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinBured, 



. 122,690,695 00 
. 19,590,921 00 



Premlmnf. 
$305,650 81 
282,922 64 



. 142,281,616 00 |588,573 45 
. 21,943,480 00 305,166 08 



$20,338,136 00 $283,407 37 
1,265,087 00 18,012 99 



Net amount ia force, 



. $19,073,049 00 $266,394 38 



162 



citizens' insurance CO. 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (4 per cent.), . 

Company's stock owned by directors, 



$1,836,078 00 

614,045 OO 

189,998 00 

69,614 00 

8,000 00 

56,400 00 



••CITIZENS' INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April, 1880. Commeoeed basioeM April, 18S7.] 

Paid-up Capital, $800,000. 

EDWARD A. WALTON, PretidenU FRANK M. PARKER, Seereiary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, .... 
National Bank of Commerce stock, . 
National Citizens* Bank stock, . 
National Bank of the Republic stock, 
Consolidated Gas Company stock, . 
Union Trust Company stock, • 
Oi*egon Short Line & Utah No. R.R. bonds. 
Lake Shore & Michigan Southern R.R. bonds 
New York, Chicago & St. Louis R.R. bonds, 
Cleveland, Cin., Chic. & St. Louis R.R. stock. 
Union Pacific Railroad stock, . 



Par Value. 

f 150,000 00 
10,000 00 
80,000 00 
6,000 00 
20,000 00 
10.000 00 
2,000 00 
60,000 00 
10.000 00 
80,000 00 
20,000 00 



Market Valae. 
1166,126 00 

20,300 00 
40,600 00 

7,600 00 
28,600 00 
82,600 00 

1,300 00 
67,500 00 
10,450 00 
13,800 00 

1,900 00 



Securities held as collateral for cash loans : — 

Butchers* & Drovers* National Bank stock, 
Bleeckcr St. & Fulton Ferry R.R. Co., . 
National Citizens* Bank stock, .... 



1337,000 00 1430,376 00 



Market ValM. 
11,866 00 

4,800 00 
1,687 60 



1900 00 
3,600 00 
1,000 00 



17362 60 #6,400 00 



Summary of Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, • $100,000 00 
Loans on mortgage of real estate (first liens *), 21,300 .00 
Interest due or accrued thereon, . . . 106 60 

* Valoe of lands mortgaged, $26,000 00 

Valoe of boUdlDgs thereoo, 80.600 00 

Amooot of iDanmooe held a« collateral, .... S0,S00 00 



citizens' INSURANOE CO. 



163 



Stocks and bonds, as per schedule, . . 
Loans on collateral secarity, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Reinsurance due on losses paid, 
Prem''s more than three mos. due, 11,666 64 
* Gross assets, 



LlABIUTIES. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted. 



Total amount of losses, 
reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Dividends to stockholders unpaid, • 
Due and accrued for rent, salaries, etc., . 
Due for borrowed money. 
Commissions and brokerage, • . 
Return premiums and reinsurance, . 
Gross liabilities, except capital, 



Surplus as regards policy holders, 
Paid-up capital, 



1430,375 00 
6.400 00 
6,979 50 
47,790 92 
6,219 46 
117,140 48 
1,956 67 
6,090 03 



f 10,722 43 

12,840 00 

4,686 60 

128,099 03 
660 46 

127,648 67 

277,079 49 

686 60 

900 00 

20,000 00 

13,124 68 

1,010 40 



1742,868 61 



840,348 64 

1402,009 97 
300.000 00 



Surplus oyer capital, , $102,009 97 



Incobcb. 

Fire premiums outstanding Dec. 31, 1896, 
Same not collected, ..... 



•120,486 69 
2,807 48 



Net collected, f 118,178 21 

Premiums on risks written or renewed, . . 620,167 21 



Total, 1738,336 42 

Premiums now in course of collection, . . 118,807 07 



Entire premiums collected, . . • 
Less reinsurance and return premiams, . 
Net cash fire premiums received, . 
Interest received on mortgages, 



1619,628 36 
86,432 92 



Interest and dividends received from all other sources, • 
Income from rents, 



1688,096 43 

1,342 60 

16,862 16 

4,464 11 



Gross cash income, $664,764 20 



164 



citizens' nCSURANCE CO. 



EXPEMDITUREa. 

Cash paid for fire losses, f3Sl,409 21 

Deduct salvage and reiosuraDce, . . . 9,598 83 

Net cash paid for fire losses, .... ^21,810 88 

Cash dividends paid, 22,795 15 

27«891 50 

. 112,835 28 

47,174 81 

8,486 09 

89379 77 



Cash paid for redemption of scrip, .... 
for commissions and brokerage, 
for salaries of officers and employees, . 
for State and local taxes, 
for incidentals, 



Gross cash expenditures, f580«878 43 



Risks and Premiums. 

PmnimiM. 

Fire risks outstanding Dec. 31, 1895, 176,350,376 00 1612,863 16 



Fire risks written during 1896, 



Total. 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

19 et amount in force. 



73,395,251 00 620,167 21 



1149,745,627 00 f 1,233.020 37 
78,331,873 00 645,025 93 



171,413,754 00 f 587,994 44 
5,661.615 00 37,617 90 



165,752,139 00 «550,377 14 



Miscellaneous. 

Premiums received from organization of company, . $15,405,985 00 
Ivosses paid from organization of company. .... 8,270,068 00 
Fire losses incurred during the year, ..... 298,360 00 
Cash dividends declared from organization of company, . 1,996,779 00 
Dividends declared during the year, 22,317 00 



'^aTlZENS' INSURANCE COMPANY OF MISSOURI," 

ST. LOUIS, MO. 

[InoorporaUd Febntary, 1887. CommeBced baslnesa 1887.] 

PaiD'UT Capital, $200,000. 

J. B. M. KEHLOB, PretidenU SOL. B. WAeOONER, Swerttmty. 



Detailed Statement of Stocks and Bond». 

Par Yalna. 

St. Loois United Elevator Co. bonds, . . 184,000 00 
Henry County, Mo., bonds, .... 71,000 00 
Greene County, Mo., bonds, .... 13,00000 



IfaiketTaliM. 

•75,600 00 
72,3i0 00 
13,260 00 



citizens' insurance CO. 



165 



Venice Elevator Company bonds, . 
City of Waco, Texas, bonds, . 
Dade County, Mo., bonds. 
Lime Co., Mo., school bonds, . 
People's Railway Co, bonds, . 
Jackson County, Mo., bonds, . 
Schajler County, Mo„ bonds, . 
Andrew County, Mo , bonds, . 
Sl Louis & Council Bluffs R.R. bonds, 
Jacksonville, 111., city bonds, . 
Cass Ave & Fair Ground Railway bonds 
American Exchange Bank stock, 
Phillips County, Ark., bonds, . 
City of Marshall, 111., bonds, . 



Par Valn«. 

$32,000 00 

36,000 00 

16,000 00 

7,000 00 

6,000 00 

14,000 00 

10.000 00 

4,000 00 

6,000 00 

19,600 00 

26,000 00 

21.000 00 

10.000 00 

8,200 00 



Market Valne. 

128,800 00 

37,080 00 

15,160 00 

7,000 00 

6,000 00 

16,400 00 

10,100 00 

4,080 00 

6,360 00 

19,600 00 

24,876 00 

84,400 00 

10.200 00 

3,200 00 



1376,700 00 $382,846 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first Huns ♦) 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Preminms in course of collection (gross). 

Tax certificates, 

Gross assets, 



31. 1896. 

$1,000 00 

229,860 00 

7,827 60 

382,346 00 

1,644 81 

33,864 99 

7,289 75 

37,746 10 

4,346 60 



1706,904 66 



Liabilities. 

Lofls^ adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned preminms on outstanding risks. 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital, 



12,609 86 

16,594 10 

276 00 

193,269 67 

12 00 

7,631 72 

196 99 



219.479 34 



Surplus as regards policy holders, t^6,426 31 

Paid-ap capital, 200,000 00 



Surplus over capital, 1286,426 31 

* Valoe of lAods mortgaged, $338,000 00 

ValQ« of boildlngs ther«oo 266,800 00 

AmOQiit of Insoranoe held m collateral, .... 231,100 00 



166 



citizens' insurance CO. 



Income. 

Fire premiums outstanding Dec. SI, 1895, 
Premiums on risks written or renewed, . 



TotaV 

Premiums now in course of collection, . 

Net cash fire premiums received. 

Marine premiums outstanding Dec. 81, 1895, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Net cash manne premiums received, . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



135,266 53 
812,554 54 

1347321 07 
87,658 61 

144 68 
1,163 50 

1 1,208 18 
87 49 



1310.162 46 



1,120 69 
12,358 SO 
13,912 25 



Gross cash income, $337,553 70 



EXPENDITUBES. 

Cash paid for fire losses, 

Deduct salvage and reinsurance. 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaines of officers and employees, 

for State and local taxes, 

for incidentals, .... 



1134,373 99 
1,218 90 



Gross cash expenditures, . 



$183,160 09 
752 91 
11,988 00 
68,053 33 
15,475 84 
8,391 08 
19,198 79 

$257,020 04 



Risks and Prehiuhs. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, . 



Total, 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured, 



Net amount in force. 



Marine risks wHtten' during 1896, • 
Deduct risks expired and terminated. 



. f 20,968,172 00 
. 23,841,543 00 



Pranluiu. 

$267,489 66 
312,554 54 



. $44,809,715 00 $580,044 20 
. 15,218,024 00 211,636 20 



$29,591,691 00 $368,408 00 
1,070,719 00 10,804 00 



$28,520,972 00 $357,604 00 



. $236,246 00 $1,163 50 
. $236,246 00 $1,163 50 



THE COLONIAL ASSURANCE CO. 167 



Miscellaneous. 

Losses paid from organization of company, . 
Fire losses incurred daring the year, .... 
Marine and inland losses incurred during the year, 
Cash diTidends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Cumpany^s stock owned by directors, .... 



13,461,132 00 

183,372 00 

753 00 

809,798 00 

12,000 00 

179,200 00 



"THE COLONIAL ASSURANCE COMPANY OF THE CITY OF 

NEW YORK," NEW YORK, N. Y. 

[Ineorponted Jone 10, 1800. Commenced bueloeea July 16, 1896.] 

Paid-op Capital, $200,000. 
LEO H. WISB, lYeHdsnt. B. E. HALL, Secretary, 

Detailed SxATEMEirr of Stocks and Boxds. 

Par Yalne. Market Value. 

United States bonds, $100,000 00 $120,000 00 

New York city stock, 100,000 00 104,000 00 

New York State bonds, 100,000 00 100,625 00 

Brooklyn city bonds,* 25,000 00 26,015 62 



$325,000 00 $850,640 62 



SuAOf ART OF Assets Dec. 31, 1896. 

Stocks and bonds, as per schedule, . . . $350,640 62 

Cash deposited in bank, 44,721 23 

Interest due and accraed, 2,108 50 

Freminms in course of collection (gross), . 56,472 00 

Salvage due, 500 00 

Gross assets, . . . . . . $454,442 35 

Deduct special deposits in other States, ..... 12,000 00 

Balance, $442,442 85 



Llibilities. 

Losses adjusted, unpaid, $4,828 27 

Losses claimed and reported, .... 7,768 50 

Unearned premiums on outstanding risks, . 89,684 15 

Commissions and brokerage, .... 13,194 41 



168 THE COLONIAL ASSUBANCE 00. 

Retarn premiums and reinsurance, • . t^fi^^ 70 

Reinsurance disallowed, ..... 796 10 

Gross liabilities, except capital, . . f 1^^*381 IS 

Deduct liability on special deposits, . . 412 62 

$124,968 61 

Surplus as regards policy holders, |317,47S 84 

Paid-up capital, 200,000 00 

Surplus over capital, $1^^7,473 84 

Income. 

Premiums on risks written or renewed, . . f 220,573 73 
Premiums now in course of collection, • . 56,472 00 

Entire premiums collected, .... f 164,101 73 
Less reinsurance and return premiums, . . 25,995 03 

Net cash fire premiums received, . . . $138,106 70 

Interest and dividends received from all sources, . . . 2,092 40 

Income from all other sources, 1,353 88 

Gross cash income, . . • . . . $141,552 93 

Expenditures. 

Cash paid for fire losses, $19,675 56 

Deduct salvage and reinsurance, . . . 987 58 

Net cash paid for fire losses, .... $18,687 98 

Cash paid for commissions and brokerage, .... 34,526 67 
for salaries of officers and employees, . . . 960 00 

for State and local taxes, 292 76 

for legal expenses, etc., • 1,558 05 

Gross cash expenditures, $56,025 46 

Risks and Premiums. 

PranlraiB* 
Fire risks written during 1896, . . . $21,279,094 00 $220,573 73 
Deduct risks expired and terminated, . . 2,514,659 00 35,653 58 

In force at end of year, $18,764,435 00 $184,920 15 

Deduct amount reinsured, .... 636,581 00 5,599 85 

Net amount in force, $18,127354 00 $179,320 SO 

Miscellaneous. 

Premiums received from organization of company, . . $138,107 00 

Losses paid from organization of company, .... 18,688 00 

Fire losses incurred during the year, ..... 31,295 00 

Company *8 stock owned by directors, 78,300 00 



COMMERCE IK6UBANCE CO. 



169 



"COMMERCE INSURANCE COMPANY," ALBANY, N. Y. 

[Ineorporatod Jane 1, 1860. Commwioed bnftlnMi June 1, I860.] 

Paid-up Capital, $200,000. 



OABRET A. VAN ALLEN, PretidaU, 



E. DARWIN JENIBON, Secretary, 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

130 shares N'l Commercial B% Albany, N. Y., 
First National Bank, Albany, N. Y., 
Nat'l Exchange Bic, Albany, N. Y., 
National Bank, Cofaoes, N. Y., 
South End Bank, Albany, N. Y., . 
Holland Trust Co., New York, 
Rensselaer & Saratoga Railroad, . 
Undei-w inters' Salvage Co., N. Y., . 



u 



IC 



150 

72 

50 

60 

25 
SCO 
5 
Thomson Palp and Paper Company bonds, 



Par Valne. 

160.000 00 

13,000 00 

15,000 00 

7,200 00 

6,000 00 

6,000 00 

2,600 00 

80,000 00 

600 00 

10,000 00 



Market Valae. 

$60,000 00 

46,600 00 

24,000 00 

6,480 00 

7,000 00 

8,760 00 

2,000 00 

64,000 00 

600 00 

10,000 00 



1188,200 00 $218,230 00 



Secnrities held as collateral for cash loans : — 

So shares National Bank of Cohoes, N. Y., 
10 « First National Bank. Albany, N. Y., 
5 ** £tna Ins. Co., Hartford, Conn., 



Market Yalae. 

$4,900 00 
1,600 00 
1,260 00 



Loaned Thereon. 

$1,600 00 

1,000 00 

860 00 



$7,760 00 $2,860 00 



Summary of Assets Deo. 81, 1896. 

Cash Talue of unencumbered real estate, . $76,000 00 

Loans on mortgage of real estate (first liens*), 79,600 00 

Interest due or accrued thereon, . . . 460 34 

Stocks and bonds, as per schedule, . . 213,280 00 

Iamss on collateral security, as per schedule, . 2,860 00 

Cash deposited in bank, 14,17113 

Interest due and accrued, 793 33 

Preroioms in course of collection (gross), 8,126 69 

Rents due, 929 99 

Gross asseU $396,161 38 

* Valoe of Unda mortgaged, $72,500 00 

Vaine of bolldlnga tberaoD, ....... 122,900 00 

AmouQi of lusaranoe held aa ooOateral, .... 8C,2&0 00 



170 COMMERCE INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, $10,460 00 

Unearned premiums on outstanding risks, . 95,452 38 

Reinsurance disallowed, 3,480 95 

Incidentals, 2,016 92 

Gross liabilities, except capital, . . 1111,410 25 

Surplus as regards policy holders, t2^S«74l 13 

Scrip outstanding, not ordered to be redeemed, • 200,000 00 

Surplus over capital, ........ 183,741 IS 

Income. 

Fire premiums outstanding Dec. 31, 1896, . $9,266 70 
Premiums on risks written or renewed, . • 161,768 49 

Total, $171,035 19 

Premiums now in course of collection, . . 8,126 59 

Entire premiums collected, .... $162,908 60 
Less reinsurance and return premiums, . . 21,226 58 

Net cash fire premiums received, . . . $141,682 02 

Interest received on mortgages, 2,621 89 

Interest and dividends received from all other sources, . . 10,002 91 

Income from rents, 5,910 81 

Gross cash income, $160,217 63 

ExPENDrruRES. 

Cash paid for fire losses, $63,845 84 

Deduct salvage and reinsurance, . . . 613 72 

Net cash paid for fire losses, .... $63,282 12 

Cash dividends paid, 16,000 00 

Cash paid for commissions and brokerage, .... 29,896 62 

for salaries of officers and employees, . • . 11,847 17 

for State and local taxes, 8,075 12 

for incidentals, 9,396 21 

Gross cash expenditures, $138,447 24 

Risks and Premiums. 

Pnmlams. 

Fire risks outstanding Dec. 31, 1895, . . $17,912,709 00 $195,524 78 
Fire risks written during 1896, . . . 14,175,246 00 161,768 49 

Total, $32,087,955 00 $357,293 27 

Deduct risks expired and terminated, . . 13,968,935 00 161,256 62 

In force at end of year, $18,124,020 00 $196,036 65 

Deduct amount reinsured, .... 764,892 00 7,396 56 

Net amount in force, $17,859,128 00 $188,640 09 



THE COMMERCIAL UNION FIBE INSURANCE CO. 171 



Miscellaneous. 

Prenihims received from organization of company, 
Losses paid from organization of company, . 
Fire losses incarred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent), . 
Com pany^s stock owned by directors. 



$5,349,636 00 

3.452,194 00 

62.667 00 

856,000 00 

16,000 00 

68,760 00 



"THE COMMERCIAL UNION FIRE INSURANCE COMPANY OF 

NEW YORK." N. Y. 

[Ineorporated Oet. 80, 1890. Commenced bnfineee April 1, 1891.] 

Paid-up Capital, $200,000. 
CHABLES BEWALL, Pr^HcUnt, A. H. WRAT, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Valae. Market Valne. 

United States bonds, f 20,000 00 $23,975 00 

New York City armory bonds, . . . 200,000 00 200,000 00 
New York City water loan, .... 18,000 00 13,747 50 

$233,000 00 $237,722 50 

Summary of Assets Dec. 81, 1896. 

Stocks and bonds, as per schedule, . . . $237,722 50 
Cash in the oflSce of the company, ... 6 69 

Cash deposited in bank, 2,845 38 

Interest 4^6 and accrued, 1,300 70 

Premiums in coarse of collection (gross), . 9,82143 

Gross assets, $251,696 70 

LlABIUTIES. 

Losses adjusted, unpaid, . . . . . $116 90 

Losses claimed and reported, .... 6.550 00 

Total amount of losses, $6,666 90 

Less reinsurance, 3,750 00 

Net amount of unpaid losses, .... $2,916 90 

Unearned premiums on outstanding risks, . 22,179 36 

Commissions and brokerage, .... 1,178 53 

Return premiums, 105 66 

Beiosurance, 1,584 94 

Gross liabilities, except capital, . . 27,965 88 

Surplus as regards policy holders, ...... $223,731 02 

Paid*ap capital, 200,000 00 

Surplus orer capital, . , ... . . . $23,731 02 



172 



THE COMMEBCIAL UNION FIRE INSURANCE GO. 



Income. 

Fire premiams outstaDding Dec. 31, 1896, 
PreDiiums on risks written or renewed, . 



Total, 

Premiums now in coarse of collection, . 

Entire premiums collected. 

Less reinsurance and return premiams, . 



15,217 04 
74,022 76 

179,239 80 
9,821 43 

169,418 37 
25,419 80 



Net cash fire premiums received, . 

Interest and dividends received from all sources, 



143,998 57 
6,432 60 



Gross cash income, 150,431 17 



Expenditures. 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



•5,970 02 
6,000 00 
7,201 88 
1,106 65 
1,443 82 
511 60 



Gross cash expenditures, $22,233 47 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 

xocai, ■••.*• 
Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured, 



. 11,855,134 00 
. 7,232,265 00 



Tremlami. 

$17,176 04 
74,022 76 



. $9,087,399 00 $91,198 80 
. 3,484,921 00 30,777 92 



$5,602,478 00 $60,420 88 
995,793 00 16,109 40 



Net amount in force, $4,606,685 00 $44,311 46 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . • 
Fire losses incurred daring the year. 
Cash dividends declared from organization of company 
Dividends declared dm*ing the year (3 per cent.), . 
Company's stock owned by directors, 



$149,191 00 

87,232 00 

8,874 00 

15,000 00 

6,000 00 

7,600 00 



THE COMMONWEALTH INSURANCE CO. 



173 



"THE COMMONWEALTH INSURANCE COMPANY OF 

NEW YORK," N.Y. 

[Incorporated Aug. 23, 1886. Commenoed battooM Sept. 16, 1886.] 

Paid-itp Capital, $500,000. 
CHARLES S. BARTOW, PrtHdetU. E. J. PERRIN. Secretary pro tern. 



44 



It 



U 



«i 



Detailed Statement or Stocks 



United States bonds, .... 
New York city stock, 
Missotui, Kansas & Texas R^j bonds, 
American Cotton Oil Co. bonds, 
200 shares American Telegraph & Cable Co 
125 
1,000 
200 
100 
100 
100 
400 
100 
200 
117 
200 
200 
200 
100 
100 

50 
100 
100 
220 

50 

25 

13 

50 

50 

50 
200 

50 

17 

50 



«( 



u 



Ci 



■i 



M 



•« 



41 



(4 



44 



44 



44 



44 



American Surety Co., 
Brooklyn City R.R. Co., 
Central R.R. Co. of New Jersey, 
Chicago & Alton R R. Co., . 
C, C, C. & St. Louis R.R , . 
Chic, Mil. & St. Paul R'y, . 
Chicago & Northwestern R'y, 
Chic ,St. Paul, Minn. & Om'ha R'y 
Delaware &, Hudson Canal Co., 
Edison Electric 111. Co., Brooklyn 
Edison Electric 111. Co., New York 
Illinois Central Railroad Co., 
Manhattan Railway Co., 
Lake Shore & Mich. South'n R.R 
Lake Erie & Western R.R., . 
N..Y., New Hayen & Hart. R R., 
Rome, Watert'n & Ogd'b'gh R.R 
Toledo <& Ohio Central Railway, 
Western Union Telegraph Co., 
Merchants' National Bank, NY 
National B'k of Commerce, N. Y 
Bank of America, New York, 
Central National B'k, New York 
German American B'k, New York 
New York Produce Exchange B'k 
N. Y. Cent & Hudson River R.R. 
Com Exchange Bank, • 
Manhattan Company Bank, . 
National Park Bank of New York 



AND Bonds. 

Par Yalae. 
170,000 00 

125,000 00 

10,000 00 

5,000 00 

20.000 00 

6,250 00 

10,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

40,000 00 

10,000 00 

20,000 00 

11,700 00 

20,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

22,000 00 

2,600 00 

2,600 00 

1,800 00 

5,000 00 

8,750 00 

5,000 00 

20,000 00 

5,000 00 

850 00 

5,000 00 



Market Value. 

876,526 00 

125,000 00 

8,175 00 

5,875 00 

17,900 00 

11,875 00 

17,450 00 

20,100 00 

16,200 00 

7,400 00 

13,100 00 

50,800 00 

18,800 00 

23,200 00 

11,700 00 

20,175 00 

18,500 00 

17,925 00 

15,125 00 

6,850 00 

8.875 00 

11,775 00 

6,250 00 

18,815 00 

8,400 00 

5,062 50 

4,160 00 

6.500 00 

4,200 00 

6,000 00 

18,660 00 

14,750 00 

1,806 25 

18,125 00 



•555360 00 1619,543 75 



174 



THE COMMONWEALTH INSURANCE CO. 



SUMHART OF ASSETS DeC. 81, 1896. 

1147,500 00 



LoaDS on mortgage of real estate (first liens *), 
Interest due or accrued tliereon, 
Stocks and bonds, as per schedule. 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross). 
Gross assets, ..... 



1,615 42 
619,543 75 

1,622 34 
36,364 68 

5,988 58 
28,940 58 



1841,575 35 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks. 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Return premiums, ..... 
Reinsurance disallowed, .... 
Gross liabilities, except capital, 

Surplus as regards policy holders, . 
Paid-up capital, 



tl0,082 87 

102,446 75 

1,200 00 

2,560 28 

1,669 50 

461 26 



Surplus over capital. 



118,420 66 

1723,154 69 
500,000 00 

t223,l54 69 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Pi*emiums now in course of collection. 

Entire premiums collected. 
Less reinsurance and return premiums, 
Net cash fire premiums received, • 
Interest received on mortgages. 



$25,683 87 
226,511 21 

$252,195 08 
28,940 58 

1223,254 50 
34,393 88 



Interest and dividends received from all other sources, . 



$188,860 62 

6,907 83 

27.233 82 



Gross cash income, $223,001 77 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 
Ket cash paid for fire losses, . . . . 
Cash dividends paid, . . . . . 
Cash paid for commissions and brokerage. 



$74,073 28 
4,072 86 



$70,000 4S 
30,000 00 
19,296 04 



* Valne of Undi mortgaged, $11S,M0 00 

Valoe of baildlDgi thereon, 120,600 00 

Amount of iDiarmnee held as eolUteral, . . . • . 124,000 00 



THE CONCORDIA FIRE INSURANCE CO. 



175 



Cash paid for salaries of officers and employees, 
for State and local taxes, 
for all other payments, • 



125,074 00 

6,894 79 

12,844 33 



Gross cash expenditures, $163,109 58 

Risks and Premiums. 

Premlnms. 

Fire risks outstanding Dec. 31, 1895, . . $19,465,012 00 $196,660 45 
Fire risks written during 1896, . . .25,274,314 00 226,51121 



Total, 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured, 

Ket amount in force. 



.$44,739,326 00 $423,171 66 
. 23,776,699 00 220,573 03 



$20,962,627 00 $202,598 63 
342,740 00 2,811 65 



. $20,619,887 00 $199,787 08 



MiSCELLAKEOUS. 

Premiums received from organization of company. 
Losses paid from organization of company, . . • 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company. 
Dividends declared during the year (6 per cent ), . 
Company*8 stock owned by directors, .... 



$2,003,045 00 

1,144.471 00 

60,419 00 

156,000 00 

30,000 00 

138,000 00 



-THE CONCORDIA FIRE INSURANCE COMPANY OF 
MILWAUKEE," MILWAUKEE, WIS. 

[Incorporated March 7, 1870. Commenced bnelneai March 22, 1870.] 

Pazd-up Capital, $200,000. 
J. H. INBU8CH, PreHdeiU. OU8TAV WOLLAEGBR, Secrttaty. 



Detailed Statement of Stocks and Bonds. 

Par Valoe. 

$25,000 00 
40,000 00 



Chicago, HI., sewerage bonds, . 
Cincinoati sinking fund bonds, 
Washington Co., UL, bonds, 
Lincoln, Neb., school bonds, 
State of Montana bonds, . 



15,000 00 
25,000 00 
40,000 00 



Maitet Value. 

$25,500 00 
42,400 00 
15,450 00 
25,750 00 
42,000 00 



$145,000 00 $151,100 00 

Summary of Assets Dec. 31, 1896. 
Loans on mortgage of real estate (first liens *), $506,605 00 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 



6,208 86 
151,100 00 



* Valne of lands mortgaged, $768,660 00 

Valoe of boildlngi thereon, ....... 700»160 00 

Amooat of losoraDee held ae eoUateral, .... 800,460 00 



176 



THE CONCORDIA FIBE INSURANCE CO. 



Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



$1,558 20 

69.376 56 

2.662 50 

75,956 53 



1803,467 65 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 



Total amount of losses. 
Less reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital. 



Surplus as regards policy holders. 
Paid-up capital, . . . 



Surplus over capital. 



Income 



Fire premiums outstanding Dec. 31, 1895 
Premiums on risks written or renewed. 



Total, 

Premiums now in course of collection. 



Entire premiums collected. 
Less reinsurance and return premiums. 
Net cash fire premiums received, 
Interest received on mortgages, 



tl2,881 33 
9,660 25 
9,854 96 

$31,846 54 
4,624 92 

$27,221 62 

399,693 59 

15,950 85 



$58,123 79 
569,815 13 

$627,938 92 
75,956 53 

$551,982 39 
125,738 96 



Interest and dividends received from all other sources, . 



442366 06 

$360,601 59 
200,000 00 

$160,601 59 



$426,243 43 

30,131 12 

6.286 85 



Gross cash income, $462,661 40 



Expenditures. 

Cash paid for fire losses, $252,084 94 

Deduct salvage and reinsurance, . . 22,477 26 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for all other payments, • 

Gross cash expenditures, .... 



$229,607 68 
18.000 00 
100,159 20 
28,620 00 
11,108 69 
44,125 69 

$431,621 16 



CONNECTICUT FIRE INSURANCE CO. 



177 



Risks and Premiums. 



Fire risks oatstaDdlng Dec. 31, 1895, 
Fire risks written during 1896, 



. $66,977,479 00 
. 48,411,999 00 



Preminms. 

$889,952 89 
569,815 13 



Total, 

Deduct risks expired and terminated, 



$115,389,478 00 $1,409,768 02 
. 42,809,040 00 552,494 59 



In force at end of year, . 
Deduct amount reinsured. 



$72,580,438 00 $857,273 43 
6,248,379 00 84,409 47 



Net amount in force $66,332,059 00 $772,863 96 



Miscellaneous. 

Premiums received from organization of company. 

Losses paid from organization of company, . 

Fire losses incurred during the year. 

Cash dividends declared from organization of company 

Dividends declared during the year (9 per cent.), . 

Company^s stock owned by directors, ... 



$5,273,058 00 

2,905,646 00 

224,516 00 

229,667 00 

18,000 00 

147,700 00 



•'CONNECTICUT FIRE INSURANCE COMPANY," HARTFORD, 

CONN. 

[Incorporated Jane, 1850. Oommenoed boslneee July, 1850.] 

Pazd-up Oapitax^ $1,000,000. 

J, D. BROWNK, PteHdant, OHARLBS R. BIJBT, Secretary, 



Detailed Statement of 



Dominion of Canada, 
State of Georgia, 
State of Sonth Dakota, 
Territory of Arizona, 
City of Astoria, Ore , 
City of Dallas, Texas, 
City of Dalaih, Minn., 
City of Fargo, N. D., 
City of Helena, Montana, 
City of Middletown, Conn. 
City of New Britain, Conn. 
City of Pawtacket, R. I., 
City of Portland, Oregon, 
City of Richmond, Va., 
City of Salem, Oregon, 
City of Salt Lake, Utah, 
City of Seattle, Washington, 
City of Urbana, Ohio, 



Stocks and Bonds. 

Far Value. 

1100,000 00 
25,000 00 
40,000 00 
26,000 00 
12,000 00 
12.000 00 
20,060 00 
14,000 00 
17,000 00 
10,000 00 
10.000 00 
30,000 00 
25,000 00 
60,000 00 
11.000 00 
60,000 00 
25,000 00 
15,000 00 



Market Valae. 

eio4,ooo 00 

28,750 00 
40,920 00 
26,000 00 
12,600 00 
12,000 00 
20,860 00 
16,300 00 
17,840 00 
10,600 00 
10,200 00 
30,625 00 
27,500 00 
50,000 00 
11,880 00 
51.500 00 
25.000 00 
15.000 00 



178 



OONNECTICUT FIRE INSURANCE CO. 



Hennepin County and Minneapolis City, . 

Wayne County, Mich., .... 

Mankato School District, Minn., 

School Dist. No. 2, Arapahoe County, Col., 

School Dist. No. 11, £1 Paso County, Col., 

School Dist. No. 24, Marion County, Ore., 

South School District Notes, Hartford, Conn. 

Black Rocks & Salisbury Beach St. R.R., 

Broadway & Seventh Avenue R.R. Co., 

C, B. & Q. R.R Co., 

Cleve., Cin., Chic. & St. L. R.R., 

Cleve. Klectric Railway Co., . 

Cin., D. & [ronton R.R. Co., . 

Cin., Hamilton & Dayton R.R. Co., . 

Cleveland & Mahoning Valley R.R., 

Chicago & Western Indiana R.R. Co., 

Chicago & Northwestern R.R. Co., . 

Dayton & Michigan R.R. Co., . 

Fitchburg R.R. Co., .... 

6. Rapids, L. & D. R.R. Co., . 

Hartford Street Railway Co., . 

Housatonic R.R. Co., 

Indiana, Illinois & Iowa R.R. Co., . 

Lynn & Boston Railway Co., . 

Manitou & Pikers Peak Railway Co., 

North Chicago Street R.R. Co., 

N. Y., N. H. & H. R.R. Co. ctfs., 

Saginaw & Western R.R. Co., . 

Toledo & Ohio Central R.R. Co., . 

Wate^bury, Conn., Traction Co., 

W. Chicago St. R.R. Co., . 

W. Chicago St R.R. Tunnel Co., . 

Brooklvn Wharf & Warehouse Co., . 

Hartford Electric Light Co., . 

Minneapolis Gas Light Co., . . - 

Northwestern Telegraph Company, 

Central Safety Deposit Co , Chicago, 

Traders* Safe and Trust Co., Chicago, 

160 shares Bald Eagle Valley R.R., . 
Boston & Albany R.R., . 
Chicago, Burlington & Quincy R.R 
Chicago & Northwestern R.R., 
Chicago, Rock Island & Pacific R.R 
N.Y. Central & Hudson River R.R 
N.Y., New Haven & Hartford R.R. 
Pitts., F. W. & Chicago R.R., . 
Empire & B. S. Telegraph Co., 
Northwestern Telegraph Co., . 



142 
740 
150 
220 
800 
376 
800 
200 
600 



«• 



u 



C( 



u 



tl 



M 



M 



U 



Par Value. 
$26,000 00 

26,000 00 
16,000 00 
26,000 00 
16,000 00 
18,000 00 
30,000 00 
10,000 00 
20,000 00 
26,900 00 
10,000 00 
20,000 00 
16,000 00 
60,000 00 
10,000 00 
16,000 00 

6,000 00 
26,000 00 
20,000 00 

8,000 00 
26,000 00 
80,000 00 
26,000 00 
10,000 00 
10,000 00 
10,000 00 
66,000 00 

2,000 00 
16,000 00 
10,000 00 
10,000 00 
10,000 00 
76,000 00 
10,000 00 
26,000 00 
16,000 00 
26,000 00 
10,000 00 

7,600 00 
14,200 00 
74,000 00 
16,000 00 
22,000 00 
80,000 00 
87,600 00 
^ 80,000 00 
20,000 00 
80,000 00 



Market Valae. 
127,500 OO 

26,760 OO 

16,000 00 

26,000 00 

16,150 00 

14,040 00 

80,000 00 

9,500 00 
21,000 00 
26,160 00 

9,200 00 
20,400 00 
16,750 00 
62,260 00 
11,600 00 
17,400 00 

6,400 00 
26,000 00 
21,000 00 

1«500 00 
26,487 60 
80,000 00 
21,260 00 
10,200 00 

9,000 00 
10,850 00 
67,460 00 

1,000 00 
16,900 00 
10,000 00 
10,000 00 
10,175 00 
76,000 00 
10.200 00 
26,U00 00 
16,875 00 
26,000 00 
10,000 00 
15,000 00 
29,636 00 
61300 00 
15,000 00 
14,300 00 
27,900 00 
66,625 00 
48,000 00 
14300 00 
88,000 00 



CONNECTICUT FIRE INSURANCE CO. 



179 



167 shares First NatioDal Bank, MinDeapoIis, . 
Importers & Traders NU B'k, N.Y., 
Second National Bank, New Haven, 
iBtna National Bank, Hartford, 
Charter Oak Nat. Bank, Hartford, . 
Farm & Mech. N'i Bank, Hartford, 
First National Bank, Hartford, 
Hartford National Bank, Hartford, 
Mercantile National Bank, Hartfd, 
National Exchange Bank, Hartford, 
Phoenix National Bank, Hartford, . 
Conn. Trast & S. D. Co., Hartford, 



100 

11 

100 

93 

125 

185 

SOO 

100 

412 

150 

45 



«• 



u 



(« 



u 



ct 



Par Value. 

116.700 00 
10,000 00 

I.IOO 00 
10,000 00 

9,300 00 
12,600 00 
18.600 00 
80,000 00 
10,000 00 
20,600 00 
16,000 00 

4,600 00 



Market Valae. 
tl2,626 00 

63,000 00 

1,870 00 
14,000 00 

8,370 00 
13,760 00 
20,350 00 
42,000 00 

7,600 00 
26,780 00 
18,000 00 

7,200 00 



$1,678,360 00 $1^24,018 60 



Secnrities held as collateral for cash loans : — 

No. Chicago St. R'y Co. stock, . 
Minneapolis & St Louis Railroad stock, 
Arizona Canal & Improvement bonds, 
Denver Union water bond, 
Lima Lake (111 ) drainage bond. 



Market Value. Loaned Thereon. 



f 6,000 00 


$4,000 00 


7,800 00 


6,000 00 


3,000 00^ 




900 00 > 


4,000 00 


900 OO) 





$17,600 00 $14,000 00 



SUHMABT OF ASSETS DEC. 31, 1896. 



Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens *), 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. . 
Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross). 
Bills receivable, not matured, taken for fire risks, 
Gross assets, 



$164,776 00 

916.359 00 

1,824,018 60 

14,000 00 

728 77 

170,668 66 

232,808 74 

1,020 60 



$3,314,369 07 



Deduct special deposits in other States, 184,780 00 

Balance, $3,129,689 07 



LlABILITIBS. 



Losses claimed and reported, 
Losses disputed or resisted, 

Total amount of losses. 
Less reinsurance, 



Net amount of unpaid losses. 

Unearned premiums on outstanding risks. 



$118,736 87 
26,944 94 

$144,681 81 
6.199 66 

$138,482 16 
1.430,016 17 



• Vatne of landa mortgagad. 91,297,985 00 

Value of bnildtnge thereon, 1,196,520 00 

Amooat of inaarmoee bald aa collateral, • • • . 891.160 00 



180 GONNECnCUT FIRE INSURANCE CO. 

Due and accrued for rent, salaries, etc., . $23,839 47 

State and local taxes 6,258 16 

Commissions and brokerage, . . » . 26,475 72 

Reinsurance, 19,441 33 

Reinsurance disallowed, 27,182 38 



Gross liabilities, except capital, . . $1,671,694 38 
Deduct liability on special deposits, . 71,768 00 



$1,599,926 38 



Surplus as regards policy holders, ilfi29fi62 69 

Paid-up capital, 1,000,000 00 

Surplus over capital, $^29,662 69 

Incoub. 

Fire premiums outetanding Dec. 31, 1895, . $268,259 53 
Premiums on risks written or renewed, . • 1,991,741 29 



Total, $2,260,000 82 

Premiums now in course of collection, . . 282,808 74 



Entire premiums collected, .... 12,027,192 08 
Less reinsurance and return premiums, . 266,889 36 

Net cash fire premiums received, . $1,760,302 72 

Interest received on mortgages, 45,859 06 

Interest and dividends received from all other sources, . 84^73 81 



Gross cash income, $1«89 1,085 58 

Expenditures. 

Cash paid for fire losses, $1,054,548 12 

Deduct salvage and reinsurance, . . 47,198 41 

Net cash paid for fire losses, .... $1,007,349 71 

Cash dividends paid, 100,000 00 

Cash paid for commissions and brokerage, .... 311,237 74 

for salaries of officers and employees, . . . 137,411 48 

for State and local taxes, 39,751 42 

for general expenses, 125,680 82 

Gross cash expenditures, $1,721,431 17 

Risks and Prehiums. 



Fire risks outstanding Dec. 31,1895, 
Fire risks written during 1896, 

Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



ProBilimsa 

$210,786,643 00 $2,705,384 93 
. 158,550,267 00 1,991,741 29 



$369,336,910 00 $4,697,126 22 
. 142,056,121 00 1,844,467 84 



$227,280,789 00 $2,852,658 38 
. 7,171,665 00 92,530 89 



$220,109,124 00 $2,760,127 49 



CONTINENTAL INSURANCE CO. 



181 



Miscellaneous. 

PremiuiDS receiTed from organization of company. 
Losses paid from organization of company, . 
Fire losses incmred during the year, .... 
Cash diyidends declared from organization of company, 
DiTidends declared daring the year (10 per cent.), 
0>mpany*s stock owned by directors, .... 



•21,892,188 00 
. 12,486313 00 
. 898,079 00 
. 2,106,000 00 
100,000 00 
44,800 00 



" CONTINENTAL INSURANCE COMPANY,'' NEW YORK, N. Y. 

[Iseorpormted November, 1862. Commenoed bueineM January, 1858.] 

Paid-up Capital, $1,000,000. 
F. C. MOORB, Ptesident. EDWARD LANNINO, Secretary. 



Detailed Statement of Stocks 



250 shares American Exchange Nat^l Bank, 



50 

50 

1,200 

250 

350 

100 

382 

200 

1,100 

750 

74 

1,000 

1,000 

1,000 

1,000 

500 

200 

7,500 

500 

1,500 

3V0OO 

500 

1,000 

5,000 

500 

500 

UOOO 

1,200 



M 



«• 



Bank of America, . 
Bowery Bank, 
Mechanics^ National Bank, 
Mercantile National Bank, 
Merchants^ National Bank, 
Nassau Bank, 
Phenix National Bank, . 
Central Trust Company, 
Chicago, Burl. & Quincy R.R , 
Chicago, Mil. & St Paul Railway 
Chicago & Alton Railroad, . 
Chicago & Northwestern Railway 
Chicago, Rock Island & Pacific R^ 
Chi., St. Paul, Minn. & Omaha R'y 
Clev., Cin., Chic. & St. Louis R R. 
Consolidated Gas Co. of N. Y., 
Delaware & Hudson Canal Co., 
Brooklyn City Railroad Co., 
N. Y., Chicago & St Louis R'y, 
Lake Shore & Mich. Southern R^y 
New York & Harlem Railroad, 
N.Y., New Haven & Hartford R.R. 
Pennsylvania Railroad Company 
Pitts.,McKees &Youghiogh'y R.R 
Rome, Watert h & OgdensVg R.R. 
St. Paul & Duluth Railroad, . 
St Paul, Minn. & Manitoba R^way 
United N. J. R.R. & Canal Co., 

Atlantic & Gulf Railroad bonds. 

Cedar Rapids, la. Falls & Northw^n R.R. bonds 



tk 



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M 



AND Bonds. 

Par Value. 
(25,000 00 

6,000 00 

5,000 00 

30,000 00 

25,000 00 

17,600 00 

6,000 00 

7,640 00 

20,000 00 

110,000 00 

76,000 00 

7,400 00 

100,000 00 

100,000 00 

100,000 00 

100.000 00 

50,000 00 

20,000 00 

75,000 00 

50,000 00 

150,000 00 

160,000 00 

60,000 00 

60,000 00 

260,000 00 

60,000 00 

60,000 00 

100,000 00 

120,000 00 

47,000 00 

60,000 00 



Market ValD«. 
(42,600 00 

16,600 00 

16,000 00 

65,600 00 

41,250 00 

22,760 00 

7,260 00 

7.640 00 

200,000 00 
77,000 00 
96,000 00 
12,960 00 

160,000 00 
63,000 00 

125,000 00 
74,000 00 
70,000 00 
22,000 00 

127,600 00 
86,000 00 

226,000 00 

427,600 00 
86,000 00 
60,000 00 

800,000 00 
67,600 00 
40,000 00 

110,000 00 

282,000 00 
47,000 00 
60,000 00 



182 



CONTINENTAL INSURANCE CO. 



Chicago, Burl. & Quincj Railroad bonds, 
Chicago, Milwaukee & St. f^anl R.R. bonds, . 
Chicago & Northwestern sinking fnnd bonds, 
Chicago, Rock Island & Pacific R.R. bonds, . 
Chicago, St. Paul, Minn. & Omaha R^y bonds, 
Columbia & Greenville Railroad bonds, . 
Elmira, Cortland & Northern R.R. bonds, 
Erie Railway Company bonds, 
Georgia, Carolina & Northern Railway bonds, 
Grand Rapids, Lansing & Detroit R.R. bonds, 
Indiana, Bloomington & Western R.R. bonds, 
Kentucky (ilentral Railway Company bonds, 
Midland Railroad Co. of New Jersey bonds, 
Milwaukee, Lake Shore & Western R.R. bonds 
Morris & Essex Railroad bonds. 
New York Cen. & Hudson River R.R. bonds, 
New York, Lackawanna & Western R'y bonds 
N. Y., New Haven & Hartford R.R. bonds, 
Raleigh & Augusta Air Line Railroad bonds, 
Richmond <k Danville Railroad bonds, . 
St Paul, Minn. & Manitoba Railroad bonds. 
Western Union Telegraph Company bonds, 
Portland, Oregon, water bonds, 
Richmond, Virginia, bonds, 
Alabama bonds, 
Georgia bonds, . 
United States bonds, . 
New York city bonds. 



Par Valne. 
$10,000 00 

60,000 00 

49,000 00 

100,000 00 

100,000 00 

60,000 00 

60,000 00 

60,000 00 

26,000 00 

60,000 00 

136,000 00 

60,000 00 

60,000 00 

100,000 00 

60,000 00 

60,000 00 

60,000 00 

20,000 00 

60,000 00 

60,000 00 

100,000 00 

104,000 00 

60,000 00 

60,000 00 

10,000 00 

26,000 00 

600,000 00 

300,000 00 



Market Valaa. 
111,000 OO 

66,600 00 

63,900 00 

100,000 00 

126,000 00 

60.000 00 

62,600 00 

67,600 00 

19,600 00 

26,000 00 

141,760 00 

42,600 00 

67,500 00 

127,000 00 

69,000 00 

62,600 00 

62,600 00 

26,000 00 

62,600 00 

68,000 00 

116,000 00 

109,200 00 

66,000 00 

60,000 00 

10,000 00 

26,260 00 

698,600 00 

812,600 00 



•4,372,640 00 $6^60,440 00 



Summary of Assets Dec. 31, 1896.* 



Cash value of unencumbered real estate. 

Loans on mortgage of real estate (first liens f), 

Interest due or accrued thereon. 

Stocks and bonds, as per schedule. 

Cash in the office of the company. 

Cash deposited in bank, . 

Interest due and accrued, . 

Premiums in course of collection (gross), 



•1,236,260 00 

106,060 00 

2,881 47 

6,660,440 00 

37,680 68 

266,986 28 

77,014 89 

377,136 66 



* The company holds also initalment premlam notes to the amoont of $1,442,510.84, which 
do not enter Into nor form any part of the assets of the company, as no portion of them ia eanied. 
Wluttever valne is attached to them wonld necessarily be counterbalanced by the addition of aa 
•mount exactly equal to the reinsurance liability, the entire sum consisting of *' unearned pt»- 
mlnms." 

t Value of lands mortgaged, $186,650 00 

Value of buildings thereon, 160,450 00 

Amount of Insuraaoe held as collateral, .... 128,085 00 



CONTINENTAL INSURANCE CO. 



183 



Bills rec^able for fire, marine and inland risks, |121,574 59 

Rents, 924 16 

Prem^s more than three mos. dae, (349,515 39 

Gross assets,* $7,776,847 13 

Deduct special deposits in other States, ..... 181,250 00 

Balance, (7,645,097 18 



LlABIUTIES. 



Losses claimed and reported. 
Losses disputed or resisted. 



Total amount of losses, 
Less reinsurance. 



Net amount of unpaid losses. 
Unearned premiums on outstanding risks. 
Unpaid scrip ordered to be redeemed. 
Interest due or accrued on scrip. 
Dividends to stockholders, unpaid, . 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Reserve for contingencies. 

Gross liabilities, except capital. 
Deduct liability on special deposits, 



Surplus as regards policy holders. 
Paid-up capital. 



Surplus over capital. 



(236,005 45 
35,650 00 

1271,655 45 
1,020 65 

$270,634 80 

8^23,299 59 

28323 00 

6,093 86 

600 00 

15.000 00 

117,677 62 

250,000 00 

$4,212,128 37 
76,809 60 



4,135,818 77 

(8,509,778 86 
1,000,000 00 

$2,509,778 86 



Income. 

Fire premiums outstanding Dec. 81, 1895, 
Same not collected, 



Net collected, 

Premiums on risks written or renewed, . 



$542,402 43 
22,766 03 

$519,686 40 
8,839,539 38 



Total $4,359,175 78 

Premiums now in course of collection, . 498,711 25 



Entire premiums collected. 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 
Interest received on mortgages. 



. (8,860,464 53 
414,636 13 
. $8,445328 40 



5.372 77 

Interest and dividends received from all other sources, . . 262,869 06 
Income from rents, 46,583 67 



Gross cash income, $8,760,608 90 



• loelndlog $600,000 ipeeUl roMrre fund held under New York Uw. 



184 



THE DELAWARE INSUBANGE GO. 



Expenditures. 

Cash paid for fire losses, |1»702,585 «Sd 

Deduct salvage and reinsurance, 19,222 62 

Net cash paid for fire losses, .... 

Cash dividends paid, . . . 

Cash paid for redemption of scrip and interest, 

for commissions and brokerage, . 

for salaries of officers and employees, 

for State and local taxes, 

for general expenses, 



Gross cash expenditures, 



11,688,862 72 
176,438 50 
387 6& 
691,874 78 
297,309 68 
74,829 62- 
202,348 68 

•8,126A^1 58 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Risks and Premiums. 

PmniniiM. 

$667,198,300 00 (6380,369 9^ 
392,138,697 00 3,839,5.S9 38 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, 



(1,059,336,997 00 $10,719,909 34 
361,027,834 00 3,653,195 48 



$698,809,163 00 $7,066,713 86 
3,949,194 00 36,147 86 



$694,859,969 00 (7,030,566 00 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (17.7 per cent.), 
Company's stock owned by directors, . . . . 



(65,279,426 00 
. 36.220,145 00 
. 1^7,284 00 
. 5.669,357 00 
177.000 00 
148,400 00 



"THE DELAWARE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 10. 1836. Commenced bndnees Ang. 6. 1886.] 

Paid-up Capital. $702,876. 
TATTNALL PAULDING. President. HBNBT LTLBURN. Seentarf. 



Detailed Statement of Stocks and Bonds. 

Par Valae. 
1100,000 00 

31,300 00 
25,000 00 
87,000 00 
75,000 00 



United States bonds, . 
Tennessee State bonds, 
Georgia State bonds, 
Richmond, Va., city bonds, 
Newark, N. J., city bonds. 



If arket Value. 

1114,000 00 
25,353 00 
25,250 00 
87,000 00 
80,250 00 



THE DELAWARE IN8UBAN0E CO. 



185 



Camden, N. J , city bonds, 

Springfield, 111., city bonds, 

Philadelphia & Reading Railroad bonds, . 

Allen town Terminal Railroad bonds, 

Lehigh Valley Railroad bonds, 

Pennsyl. & New York Canal and R.R. Co. bonds 

Philadelphia, Wil. & Bait. R.R. certificates, 

Philadelphia & Reading R.R. car trust, . 

Pennsylvania Railroad stock, . 

Pitts., Youngstown & Ashtabula R.R. bonds, 

Baltimore Belt Railroad bonds, 

Wilmington & Northern Railroad bonds. 

Underwriters' Salvage Company of N. Y., stock 

Brooklyn Wharf & Warehouse Co. bonds, 

St Louis Merchants' Bridge Terminal Co., 

Delano Land Company's bonds, 

Philadelphia Bourse stock, 

Mortgage Trust Company, Pennsylvania 

Lehigh Valley Railroad bonds, 

People's Passenger Railway Company, 



Secarities held as collateral for cash loans : — 

100 shares Philadelphia Traction Co., 
118 
47 
100 
100 
200 
200 



tt 



t« 



Atchison, Topeka & Santa F6 R.R , 
Philadelphia & Reading R.R., 
Cambria Iron Co., .... 
Philadelphia Traction Co., 
United Gas Improvement Co., 
Philadelphia & Reading Railroad, . 



Par Value. 

130,000 00 
26,000 00 

100,000 00 
60,000 00 

100,000 00 
60,000 00 
80,000 00 
40.000 00 
26,000 00 
40,000 00 
40,000 00 
25,000 00 
600 00 
20,000 00 
26,000 00 
80,000 00 
1,000 00 
16,000 00 
26,000 00 
30,000 00 



Market Valoe. 

930,600 00 
26,600 00 

101,760 00 
60,000 00 
99,000 00 
48,000 00 
80,900 00 
40,000 00 
26,876 00 
44,000 00 
87,000 00 
26,760 00 
600 00 
19,800 00 
26,760 00 
80,760 00 
200 00 
16,000 00 
26,260 00 
80,100 00 



•969,800 00 1988^78 00 



Market Value. Loaned Thereon. 

$6,676 00 



Lehigh Valley Coal Co. bonds. 



11,418 00 

21,866 00 
4,326 00^ 
9,400 00 ^ 

14,660 00 J 
2,600 00 

67,660 00 



$26,000 00 



20,000 00 

1,200 00 
60.000 00 



$138,868 00 $96,200 00 



SOMMART OF ASSETS DeC. 31, 1896. 

Cash value of unencumbered real estate, $160,000 00 

Loans on mortgage of real estate (first liens *) , 100.200 00 

Interest due or accrued thereon, . . . 1,297 77 

Stocks and bonds, as per schedule, . . . 988,678 00 

Loans on collateral security, as per schedule, . 96,200 00 

Cash in the office of the company, . . 230 90 

Cash deposited in bank, 72,240 74 

Interest due and accrued, ..... 149 66 

Premiums in course of collection (gross), . 163,677 64 

• Valoe of laode mortgaged, $177,000 00 

Value of bnlldlDgs thereon, 86,000 00 

Amount of Ineoranoe held as collateral, .... 77,600 00 



186 



THB DELAWARE INSURANCE CO. 



Bills receivable, .... 

Rents, 

Reinsurance on losses, 

Gross assets, .... 
Deduct special deposits in other States, 



•1,569 27 
645 84. 
1,199 59 



•1,585,889 30 
62,250 00 



Balance, •1,523,639 30 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted. 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies. 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 
Reinsurance, ..... 
Reinsurance disallowed, . 



Gross liabilities, except capital, . 
Deduct liability on special deposits. 



•8,254 00 

42,906 00 

5,500 00 

565,882 77 

88,682 02 

97 00 

12,6 U 55 

4,559 20 

11,100 44 

•789,545 98 
31,113 00 



708,432 98 



Surplus as regards policy holders, •815,206 32 

Paid-up capital, 702,876 00 



Surplus over capital, •112,331 32 



Incoxe. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total,. 

Premiums now in course of collection, . 

Entire premiums collected. 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 
Marine premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash marine premiums received. 



•165,965 66 
966,710 79 

•1,132,676 45 
161,461 97 

•971,214 48 
213,987 02 

•3,415 70 
82,152 75 

•85,568 45 
1,569 27 

•83,999 18 
82,180 71 



•757,227 46 



1,818 47 



THE DELAWARE INSUBAKCE CO. 



187 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Premiums on perpetual fire risks, 

Deposits received for perpetual fire risks, 112,754 13 



(6,344 11 

46,966 23 

8,617 62 



Gross cash income, $820,973 79 



EXPENDITUBES. 

Cash paid for fire losses, (398355 86 



Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . . * . 

Deposits returned on perpetual fire risks, 



30,706 67 

•101,630 29 
99,106 15 



•2,678 95 



•368,149 19 



2,524 14 
42,172 50 
166,313 41 
70,688 04 
28,535 80 
64,334 30 



Gross cash expenditures, $742,717 38 



Risks and PREionMS. 

Premlnmt. 

Fire risks outstanding Dec. 81, 1895, . $84^89,541 00 $1,039,765 94 

Fire risks written during 1896, . . . 83,635,090 00 966,710 79 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force. 



$168,224,631 00 $2,006,476 78 
. 67,010,655 00 818,380 29 



$101,213,976 00 $1,188,096 44 
. 8,742,269 00 112,624 89 



. $92,471,707 00 $1,075,471 55 



Perpetual risks in force (not incPd above), . $3,647,050 00 $96,730 74 



Marine risks written during 1896, . 
Deduct amount reinsured, 



$15,725,000 00 $82,152 75 
$15,725,000 00 $82,152 75 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$31,235,653 00 
. 18,617,482 00 
. 359,761 00 
. 2,671,246 00 
42,172 00 
55,975 00 



188 



THE DETROIT FIRE AND MARINE INSURANCE GO. 



"THE DETROIT FIRE AND MARINE INSURANCE COMPANY « 

DETROIT. MICH. 

[Incorporated Feb. 1, 18W. Oommeneed buslDees March 14, 1866.] 

Paid-up Oapital, $500,000. 
WILLIAIC A. MOORE, PteHdenL O. L. ANDBBWS, Secretary, 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, (40,000 00 

Ft Wayne & Belle Isle R.R. bonds, . . 28,000 00 

School Dist. bonds, Springwells, Mich., . . 6,000 00 



Market Yalne. 
>45,600 00 

28,000 00 
6,000 00 



Secarities held as collateral for cash loans : — 



Mortgage assigned, . 
People^s Savings Bank stock, . 
Citizens^ Savings Bank stock, . 



(74,000 00 179,600 00 



Market Valne. Loaned Thereoai. 

•2,000 00 1500 00 

3,000 00 8,000 00 

1,100 00 600 00 



(6,100 00 $4,100 00 



Summary of Assets Deo. 31, 1896. 



Cash value of unencumbered real estate. 



Loans on mortgage of real estate (first liens *), 932,085 46 



Interest due or accrued thereon. 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in tlie office of the company, . 

Cash deposited in bank, . « . 

Interest due and accrued. 

Premiums in course of collection (gross). 

Notes taken for marine and inland risks, 

Reinsurance, etc., 

Agents^ balances, .... |670 77 

Promts more than three mos. due, . 8^47 81 

Gross assets, 



(128,089 68 



36,835 92 

79,600 00 
4,100 00 
4,447 90 

43,963 51 
1,201 86 

32,174 73 
2,291 45 
3,507 91 



$1,268,301 42 



Liabilities. ' 

losses adjusted, unpaid, ..... $1,569 70 

claimed and reported, .... 5,649 97 

disputed or resisted, .... 2,043 68 

Unearned premiums on outstanding risks, 167,840 47 

State and local taxes, 166 81 

• Valnc of lands mortgaged, $l;S44.047 00 

Yalae of bnildlnga thereon, 1,116,112 00 

Amount of ininrance held aa collateral, .... 68S,S9T 00 



THE DETROIT FIBE AND MABINE IN8UBAN0E GO. 189 

Commissions and brokerage, .... |2,818 82 

Betnm premiums, 4,753 86 

Gross liabilities, except capital, . |184,S4S 30 

^mrplus as regards policy holders, (1,083,958 12 

Paid-up capital, 500,000 00 

Surplus over capita], (583,958 12 

Income. 

Fire premiums outstanding Dec. 31, 1895, $38,680 92 

Premiums on risks written or renewed, . . 248,996 71 

Total $287,677 63 

Premiums now in course of collection, . . 35,509 21 

Entire premiums collected, .... $252,168 42 
Less reinsurance and return premiums, . 44^82 02 

Net cash fire premiums received, . . . (207,586 40 

Marine premiums outstanding Dec. 31, 1895, . $2,608 08 
Premiams on risks written or renewed, . 39,555 00 

Total, (42,163 08 

Premiums now in course of collection, • . 2,498 42 

Entire premiums collected, .... $39,664 66 
Less reinsurance and return premiums, . . 10,61187 

Net cash marine premiums received, . . 29,052 79 

Interest received on mortgages, 54,558 65 

Interest and dividends received from all other sources, . . 11,367 03 

Income from rents, 1,099 49 

fieoeived for increased capital, . . . $100,000 00 

Gross cash income, (303,664 36 

Expenditures. 

Cash paid for fire losses, ........ (93,492 72 

Cash paid for marine and inland losses, 7,053 06 

Cash dividends paid, 45,000 00 

Cash paid for commissions and brokerage, .... 28,816 32 

for salaries of officers and employees, . . . 23,548 84 

for State and local taxes, 19,537 26 

for profit and loss account, .... 3,783 29 

for incidenuls, 19,947 94 

Gross cash expenditures, $241,179 43 



190 



EASTERN IN8USAN0E GO. 



Risks and Premiums. 



Fire risks outstanding Dec. SI, 1895, 
Fire risks written daring 1896, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force. 

Marine risks written during 1896, . 
Deduct risks expired and terminated. 



128,205,435 00 
22,406,129 op 



Premlmnt. 

•330,706 87 
248,996 71 



150,611,564 00 1579,703 58 
22,909,760 00 261,966 14 



$27,701,804 00 $317,787 44 
94,179 00 809 68 



$27,607,625 00 $816,927 81 

. $2,491,574 00 $39,555 00 
. 2,115,999 00 23,120 26 



In force at end of year, $375,575 00 $16,434 74 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (9 per cent), . 
Company^s stock owned by directors, .... 



$6,667,082 00 

3,358,428 00 

81,094 00 

13,104 00 

816,000 00 

45,000 00 

128,850 00 



"EASTERN INSURANCE COMPANY OF NEW YORK," 

NEW YORK, N. Y. 

[iDoorporated March 24, 1896. Commenced boelneae April 22, 1896.] 

Paid-up Capital, $200,000. 
VBBNON C. BROWN, Pretident. JAliSS MARSHALL, Secretarif. 



Detailed Statement of Stocks 



Equitable Gas Light Co., N. Y., bonds, 
Pennsylvania Co. bonds, . 
United States bonds, 
Manhattan Railway Co. bonds. 
New York City school bonds, . 
New York City water bonds, . 
West Shore Railroad Co. bonds, 



AND Bonds. 

Par Valae. 

(25,000 00 
10,000 00 
116,000 00 
10,000 00 
10,000 00 
10.000 00 
60,000 00 



Market Value. 

•28,662 60 
11,000 00 

138,675 00 

9,400 00 

10,676 00 

10,676 00 

62,625 00 



$230,000 00 1261,312 60 



EASTERN INSURANCE GO. 191 



SuuMART OF Assets Dec. 3J, 1896. 

Loans on mortgage of real estate (first liens *), |72,000 00 

Interest due or accrued thereon, . . 906 68 

Stocks and bonds, as per schedule, . . . 261,312 50 

Cash in the office of the company, ... 1 93 

Cash deposited in bank, 23,956 20 

Interest due and accrued, 611 95 

Premiums in course of collection (gross), . 27,566 09 

Salvage due, 750 00 

Gross assets, $887,105 35 

Liabilities. 
Losses claimed and reported, .... 13,113 75 

Less reinsurance, 352 50 

Net amount of unpaid losses, .... #2,76125 

Unearned premiums on outstanding risks, 51,787 50 

Commissions and brokerage, .... 7,610 96 

Return premiums and reinsurance, . 3,819 08 

Reinsurance disallowed, 350 00 

Gross liabilities, except capital, . 66,328 79 

Surplus as regards policy holders, (320,776 56 

Paid-up capital, 200,000 00 

Surplus over capital, 1120,776 56 

Income. 

Premiums on risks written or renewed, . . (138,775 16 
Premiums now in course of collection, . . 27,566 09 

Entire premiums collected, .... |111,209 07 
Less reinsurance and return premiums, . . 25,913 36 

Net cash fire premiums received, . , , (85,295 71 

Interest received on mortgages, 403 33 

Interest and dividends received from all other sources, . . 4,875 00 

Received for surplus fund, .... (100,000 00 

Gross cash income, (90,574 04 

EXPENBITCRES. 

Cash paid for fire losses, . . . (11,229 99 

Deduct salvage and reinsurance, . . 1,970 32 

Net cash paid for fire losses, .... (9,259 67 

Cash paid for commissions and brokerage, .... 26,813 45 

for State and local taxes, 673 58 

for incidentals, 85 00 



Gross cash expenditures, (36,831 70 

• Valii« of laodi mortgaged, $81,000 00 

Value of boUdlng* thereon, ....... 44,000 00 

Ajnount of inennuioe held m» eoUateral, ..... 40^000 00 



192 



EQUITABLE FIBE AND MARINE INSURANCE CX). 



Risks and Premiums. 



Fire risks written during 1896, 
Deduct risks expired and terminated, 



.(17,825,586 00 
. 4,074,466 00 



Premtanu. 

1138,775 16 
29,568 73 



In force at end of year. 
Deduct amount reinsured, 



113,751,120 00 1109,211 43 
713,390 00 5,989 11 



Net amount in force, $13,087,730 00 |103,272 82 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Company^s stock owned by directors, 



•85,296 00 

9,260 00 

12,021 00 

62,500 00 



"EQUITABLE FIRE AND MARINE INSURANCE COMPANY," 

PROVIDENCE, R. L 



[Ineorporatod May, 1899. Oommooced baiineM SeptemlMr, IMO.] 

Faxo-up Capital, $800,000. 
FRBD. W. ABNOLP, JPt^Hdeni. JAMES B. TILLINOSA8T, Secretary, 



Detailed Statement of Stocks 



500 shares Old National Bank, Providence, 

840 

200 

100 

100 

18 
200 
200 
100 
107 
100 

50 

50 
500 



NatU Bank of Commerce, Prov., 
American National Bank, Eh*oy., 
Fourth National Bank, Providence 
First National Bank, Warren, 
Third National Bank, Providence, 
N. Y. Central & Hud. River R.R., 
Illinois Central Railroad, 
Chic, Rock I. & Pacific Railroad, 
Chic, Burl. & Quincy Railroad, 
Michigan Central Railroad, . 
Rhode Island & Mass. Railroad, 
Wells, Fargo & Company Express 
Providence Gas Company, 

United States bonds 

Boston city bonds, 

Union Pacific Railroad bonds, . 

Pawtuxet Valley Railroad bonds, . 

Central Park, North & East River R.R. bonds 

Lehigh Valley Railroad bonds, 

New York, Providence & Boston R.R. bonds, 



(t 



•( 



(C 



It 



tl 



It 



ti 



it 



(» 



tk 



AND Bonds. 

Pftr Vala«. 
150,000 00 

17,000 00 
10,000 00 
10,000 00 
10,000 00 

1,800 00 
20,000 00 
20,000 00 
10,000 00 
10,700 00 
10,000 00 

5,000 00 

5,000 00 
25,000 00 
25,000 00 
25,000 00 
18.000 00 
22,000 00 
15,000 00 
10,000 00 

1,000 00 



Market ViOne. 

f 55,000 00 

13,940 00 

8,600 00 

11,800 00 

9,000 00 

1,080 00 

18,700 00 

18,600 00 

6,600 00 

7,490 00 

9,000 00 

6,000 00 

5,000 00 

42,500 00 

27,500 00 

27,500 00 

18,540 00 

23,650 00 

16,500 00 

11,000 00 

1,060 00 



EQUITABLE FIBE AND MARINE INSURANCE GO. 



193 



Milwaukee City Railroad bonds, 

National Water Works bonds, . 

Chicago, Burlington & Quincy R R. bonds, 



Par VaIo*. 

15.000 00 
6,800 00 
3,000 00 



Market Value. 
•5,250 00 

4,500 00 
3,225 00 



1335,300 00 1351,035 00 



Summary of Assets Dec. 31, 1896 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens *), 
Stocks and bonds, as per schedule, . 
Cash in the oflSce of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross). 

Rents due, 

Prem's more than three mos. due, |105 56 
Gross assets, f 



$127,000 00 

129,825 00 

351,035 00 

704 36 

27,889 18 

38,855 33 

1,280 00 



$676,088 87 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted. 
Unearned premiums on outstanding risks, 
Dae and accrued for rent, salaries, etc.. 
State and local taxes. 
Commissions and brokerage, . 
Return premium and reinsurance, 
Reinsurance disallowed, . 

Groes liabilities, except capital. 



Surplus as regards policy holders. 
Paid-up capital, 



Surplus over capital. 



Income 



Fire premiums outstanding Dec. 31, 1895 
Premiums on risks written or renewed. 



Total, . • . 

Premiums now in course of collection. 

Entire premiums collected. 

Less reinsurance and return premiums, 

Xet cash fire premiums received, . 



* Vain* of Unde mortgaged, 
Valne of bnlldloge thereon, . 
Amoant of iatnranee held •■ collateral. 



$7,235 00 

11,172 00 

1.478 00 

208,742 72 

577 22 

1,578 88 

2,820 18 

1,418 71 

945 48 



$43,559 46 
347,207 45 

$390,766 91 
38,829 11 

$351,937 80 
58.685 07 



235,968 19 

$440,120 68 
300,000 00 

$140,120 68 



$293,252 73 



$187,100 00 
a08,600 00 
149,IM 00 



t iDcInding $4S,000 epeclal reserve fond held under Rhode Island law. 



194 



EQUITABLE FIBE AND MARINE INSURANCE GO. 



Marine premiums oatstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 



•108 46 
1,860 67 

11,964 OS 
181 78 



£ntire premiums collected, .... 
Less reinsurance and return premiums, . 

Net cash marine premiums received, . . 

Literest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



$1,822 26 
77 42 



$1,744 83 
6^26 69 

16,679 80 
7,100 06 



Gross cash income, 1826,604 10 



Expenditures. 
Cash paid for fire losses, $118,317 67 



Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and reinsurance. 

Net cash paid for marine and inland losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaiies of officers and employees, 
for State and local taxes, 
for betterment and repairs, 
for all other expenditures. 



Gross cash expenditures. 



6,266 61 

$221 21 
96 02 



$112,061 16 



126 19 
18,000 00 
66,438 66 
26,106 27 
11,061 61 
4,944 62 
20,799 81 



$247,636 72 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated, 



In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, . 



Marine risks outstanding Dec. 31, 1896, 
Marine risks written during 1896, . 



Total, 

Deduct risks expired and terminated. 



In force at end of year. 



$33,466,870 00 
29,248,889 00 



Premlmiu. 
$387,694 04 
347,207 46 



$62,706,769 00 $734,901 49 
26,444,793 00 313,666 24 



$36,260,966 00 $421,346 26 
1,447,667 00 17,611 92 



$34,813,309 00 $403«833 33 



$32,337 00 
364,068 00 

$396396 00 
373,334 00 

$23,061 00 



$798 16 
1,860 67 

$2,648 72 
1,916 63 

$733 19 



EMPIRE GITT FIBE INSUBANOE GO. 



195 



Miscellaneous. 

PremiuQis received from organizatioD of company. 
Losses paid from organizatioii of company, . 
Fire losses iocnrred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company. 
Dividends declared during the year (6 per cent.), . 
Company ^3 stock owned by directors, .... 



f 6,674,774 00 

8,646^20 00 

114,303 00 

141 00 

678,000 00 

18,000 00 

71,760 00 



"EMPIRE CITY tIRE INSURANCE COMPANY," NEW YORK, N.Y. 

[Incorporated October, 1860. Oommenoed baelocM October 6, I860.] 

Paid.xjp Capital, $200,000. 
UNDLEY MURRAY, Jr., Prtiideni. DAVID J. BURTIS, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds. 
New York City bonds, 
Erie Railway bonds. 
Underwriters' Salvage Co , 



Par Value. 

$206,000 00 

40,000 00 

6.000 00 

600 00 



Market Valae. 

$227,600 00 

40,000 00 

6.000 00 



$261,600 00 $272,600 00 



Summary of Assets Dec. SI, 1896. 



Loans on mortgage of real estate (first liens *), 
Interest dae or accrued thereon. 
Stocks and bonds, as per schedale. 
Cash in the office of the company, • 
Cash deposited in bank, . 
Interest dae and accrued, . 
Premiums in course of collection (gross), 
Gtx>ss assets, 



Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks. 
Commissions and brokerage, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital, 



$6,600 00 

187 60 

272,600 00 

237 66 

30,871 86 

2,238 33 

11,668 87 



$11,600 00 

60,706 09 

1,748 86 

9 38 



$323,144 21 



Surplus as regards policy holders. 
Paid-up capital. 



64,064 32 

$269,079 89 
200,000 00 



Surplus oyer capital, $69,079 89 



* Value of landa mortgaged. . 
Valuo of boUdlngB tbereon, . • 
Anooot of Inaoranee h«Id at eoUateral, 



$5,000 00 

10.000 00 

6,000 00 



196 



EMFIKB Omr FIRE IN8T7RANGE GO. 



Ikcokb. 

Fire premiums outstanding Deo. 31, 1895, 
Premiums on risks written or renewed, 

Total, ..••«• 

Premiums now in course of collection, . 

Entire premiums collected, » • 
Less reinsurance and return premiums, . . 
Ket cash fire premiums received, ' . 
Interest received on mortgages, 



19,983 40 
101,318 74 

tlll,301 14 
11,668 87 

199,542 27 
20,825 30 



Interest and dividends received from all other sources, . 



178,716 97 

275 00 

10,035 51 



Gross cash income, t89,027 48 



EzpSMDrruBBS. 

Cash, paid for fire losses, f 85,989 56 

Net cash paid for fire losses, . • • • 

Cash dividends paid, , . • . • • 
Cash paid for commissions and brokerage, .... 
for salaries of officers and employees, • 

for State and local taxes, 

for general expenses, 



t35,989 56 

12,000 00 

10,624 88 

10,220 10 

169 48 

6.031 45 



Gross cash expenditures, 



175,034 97 



Risks Ain> Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



. tl2,113,887 00 
. 11,095,220 00 



Pranlnns* 

1114,739 76 
101,218 74 



Total, t23,209,107 00 t315,958 50 

Deduct risks expired and terminated, . 11,750,877 00 111,002 15 



In force at end of year, $11,458,230 00 tl04,956 35 

Deduct amount reinsured, • • . • 149,920 00 850 22 



Net amount in force. 



. tll,308,310 00 tl04,106 13 



MiSCBLLAKIEOUS. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company. 
Dividends declared during the year (6 per cent), . 
Company^s stock owned by directors, .... 



f3,312,401 00 

1,657,774 00 

32,599 00 

879,000 00 

12,000 00 

42,300 00 



FABRAGUT FIRE IN817RANOE CO. 



197 



FARRAGUT FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[XDcorponted Jan. 20, 1872. Commenoed bndneM Jan. 80, 1872.] 

Paid-up Oapital, $900,000. 
JOHN S. LEFFINGWELL, PretUUni, BAHUBL DABBEE, Secretary. 



Detailed Statehent of Stocks 



United States bonds, . • • • 

District of Columbia bonds, 

New York, Ontario & Western R.R. bonds, 

Fonrth National Bank stock, . 

New York Produce Exchange Bank stock, 

Clinton Bank stock, 

Long Island Loan and Trust Company, • 
Brooklyn Union Gas Company bonds, 
Brooklyn Union Gas Company stock, 



AND Bonds. 

Par Valua. 

$5,000 00 
105,000 00 

20,000 00 

10,000 00 
9,700 00 
6,000 00 

25,000 00 
6,000 00 
2,800 00 



Mirket Valoe. 
$6,000 00 

117,075 00 

21,700 00 

17,500 00 

11,640 00 

5,400 00 

58,750 00 

6,880 00 

2,001 00 



$189,000 00 $241,396 00 



Securities held as collateral for cash loans : — 

Stock Quotation Telegraph Co. bonds, . 
N. Y., Ontario & Western R.R. Co. bonds, 
N. Y. Produce Exchange Bank stock, 
Cooke & Cobb Company stock, , 
Manhattan Railway Company stock, 
Bedford Bank stock, 



Market Valna. 
$9,000 00 

8,285 00 
1,080 00 
4,000 00 
4,450 00 
2,100 00 



Loanad Thareon. 

$6,000 00 
2,000 00 

500 00 
2,000 00 
1,500 00 

700 00 



$28,915 00 $12,700 00 



Summart of Assets Deo.* 81, 1896. 



Cash yalue of xinencumbered real estate, 

Loans on mortgage of real estate (first liens *) 

Interest due or accrued thereon, 

Stod^s and bonds, as per schedule, . 

Loans on collateral security, as per schedule. 

Cash in the office of the company, • 

Cash deposited in bank, .... 

Interest due and accrued. 

Premiums in course of collection (gross). 

Bents, 

Reinsurance on losses, .... 
Office furniture, .... $2,000 00 
Prem*s more than three mos. due, . 14 24 
Gross assets, 



$6,000 00 
15,930 00 

248 04 

241,896 00 

12,700 00 

1,578 82 

15,115 54 

171 17 
20,879 29 

226 26 

719 51 



$814,464 63 



* ValiM of landa nortgaced $20,760 00 

VahMofbiilldlngatliarw>D, 18,000 00 

Amoant of InaiiraDae bald aa oollataral, • • • . 12,000 00 



198 FABBAGUT FIBE INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, $944 15 

Losses claimed and reported, .... 7,488 22 

Total amount of losses, f8,426 37 

Less reinsurance, 1,600 00 

Net amount of unpaid losses, .... $6,826 87 

Unearned premiums on outstanding risks, . 59,572 29 

Due and accrued for rent, salaries, «tc., * . * . 250 00 

State and local taxes, 600 00 

Commissions and brokerage, • . . . . 2,484 26 

Reinsurance, 198 21 

Reinsurance disallowed, 5,966 06 

Gross liabilities, except capital, . f 75347 19 

Surplus as regards policy holders, ••.... |238,617 44 
Paid-up capital, 200,000 00 

Surplus oyer capital, $38,617 44 

Income. 

Fire premiums outstanding Dec. 31, 1895, . $27,064 00 
Same not collected, 2,448 68 

Net collected, . . ' . . . . $24,615 32 
Premiums on risks written or renewed, . . 150,968 55 

Total $175,588 87 

Premiums now in course of collection, . , 20,393 53 

Entire premiums collected, .... $155,190 34 
Less reinsurance and return premiums, . . 37,434 44 

Net cash fire premiums received, . . . $117,755 90 

Interest received on mortgages, 701 91 

Interest and dividends received from all other sources, . . 9,453 06 

• • • 

Income from rents, . . . . . . . . 354 20 

Gross cash income, . * $128,265 07 



* 



Expenditures. 
Cash paid for fire losses, . '. . . $61,638 90 

Deduct salvage and reinsurance, . . . 6,550 19 

Net cash paid for fire losses, .... $55,088 71 

Cash dividends paid, . 12,000 00 

Cash paid for commissions and brokerage 22,854 08 

for salaries of officers and employees, . . 17,440 00 

for State and local taxes, 3,224 02 

for general expenses, .' 8,926 02 

Gross cash expenditures, $119,532 83 



FIBE ASSOCIATION OF PHIIiADELPHIA. 



iy9 



Risks and Prsmiums. 



Fire risks oatstanding Dec. 81, 1896, 
Fire risks written during 1896, 



Totel, 

Deduct risks expired and terminated, 



In force at end of year, . 
Deduct amount reinsured. 

Net amount in force. 



. $17,899,594 00 
. 13,276,443 00 



Premloms. 

$175,086 29 
150,968 55 



.$80,675,037 00 $326,054 84 
. 15,459,380 00 172,>7U 82 



$15,215,707 00 $158,784 62 
5,821,121 00 84,644 84 



. $9,894,586 00 $119,139 68 



Miscellaneous. 

Premiums reoeiyed from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash diyidends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company^s stock owned by directors, . . • . 



$8,696,416 00 

1,881,819 00 

61,884 00 

628,000 00 

12,000 00 

72,150 00 



-FIRE ASSOCIATION OF PHILADELPHIA," PHILADELPHIA, PA. 

[loeorporated Mareh 37, 1820. Oommenoed bvwInMt Sept. 1, 1817.] 

Paid-up Oapitai., $500,000. 
S. C. IBVIK, PireHdent, BENJAMIN T. HBBKNBBB, Sicrtiary. 



Detailed Statement of Stocks and Bonds. 

Par Valne. 
$1,600 00 

26,000 00 

126,000 00 
40,000 00 
16,000 00 
65,600 00 
60,000 00 
25,000 00 
25,000 00 

168,000 00 
10,000 00 

182,000 00 
20,000 00 

100,000 00 
60,000 00 



City of Camden bonds, .... 

Citj of Richmond certificates, . 

C^tT of Cincinnati bonds, .... 

City of Taooma water and light bonds, . 

City of Portland, Or., new city hall gold bonds 

City of Richmond certificates, . 

City of Petersburg, Va., bonds, 

Atlantic City, N. J., city water works bonds. 

State of Georgia bonds, .... 

Northern Central Railroad Co. bonds, 

Catawissa Railroad Co. bonds, . 

I^high Valley Railroad bonds, 

Shamokin Valley & Pottsyille Railroad bonds 

Philadelphia A Erie Railroad bonds. 

Belt Railroad and Stock Yards bonds. 



Market Valoe. 

$1,770 00 
28,750 00 

160,625 00 
42,000 00 
16,950 00 
65,288 00 
63,500 00 
27,445 00 
26,500 00 

198,200 00 
10,900 00 

156,100 00 
22,200 00 

119,500 00 
69,000 00 



200 



FIBE ASSOCIATION OF PHILADELPHIA. 



Louisville and Nashville Railroad bonds, 
Texas and Pacific Railroad bonds, . 
Camden & Atlantic Railroad bonds, 
Pennsylvania Railroad bonds, . 
Cincinnati, Hamilton & Dayton R.R. bonds, 
Cincinnati, Dayton & Ironton Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds. 
Northern Pacific Railroad bonds, 
Philadelphia & Reading Railroad bonds, . 
Central Car Trust Company bonds, 
Ohio River Railroad Co bonds, 
Centralia & Chester Railroad bonds, 
Chicago &. Erie Elailroad Co. bonds, 
Lynn & Boston Railroad Co. bonds, 
Lehigh Valley Coal Co. bonds. 
Port of Portland, Oregon, bonds, . 
Pennsylvania & New York Canal bonds, 
Lehigh Coal & Navigation Co. bonds, 
Evansville & Terre Haute Railroad bonds, 
Newark Passenger Railway Co. bonds, . 
Lehigh Valley Railroad bonds, 
Terminal Railroad Asso., St. Louis, bonds, 
Philadelphia City Passenger Railway bonds, 
Allentown & Bethlehem Rap. Tran. Co. bonds 
Cleveland Electric R.R. Co. bonds, . 
Lehigh Coal & Navigation Co. bonds, 
Wisconsin Central Co.^s receiver's certificates, 
1,230 shares Pennsylvania R.R. Co. stock, 



831 

70 

20 

5 

125 

256 



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Phila , Germant'n & Norrist'n R.R 
Chestnut Hill Railroad Co. stock 
Philadelphia Bourse, . 
Underwriters' Salvage Co., . 
Centralia & Chester R.R, Co., 
Company's own stock, $88,320 00 



Par Value. 

181.000 00 
13,000 00 
30,000 00 

108.000 00 
20,000 00 
25,000 00 
25,000 00 
25,000 00 
20,000 00 
18.000 00 
25,000 00 
60,000 00 
35,000 00 
25,000 00 
15,000 00 
39,000 00 
1,000 00 

100,000 00 
60,000 00 
22,000 00 
75,000 00 
75,000 00 
50,000 00 
56,000 00 
80,000 00 
60,000 00 
10,000 00 
61,500 00 
16,550 00 
3,500 00 
1,000 00 
500 00 
12,500 00 



Mailcet Valve. 

$93,960 00 
13,910 00 
32,250 00 
136,560 00 
20,000 00 
25,000 00 
26,125 00 
29,125 00 
16,800 00 
18,000 00 
25,250 00 
45,000 00 
88,325 00 
25,750 00 
14,512 50 
44,460 00 

1,180 00 
129,000 00 
40,000 00 
28,705 00 
75,000 00 
79,125 00 
53,500 00 
59,920 00 
30,900 00 
51,250 00 
10,000 00 
63,652 50 
41,375 00 

4,200 00 
200 00 
500 00 

3,125 00 



$2,020,650 00 $2,244,888 00 



Securities held as collateral for cash loans : — 

Portland University bonds, .... 
Equitable Life Insurance Society policies, 
Trust deed for property in Cook County, 111., . 
Electric and People's Traction Co. certificates, 
449 shares Union Traction Co., 
Reading Traction Co. bonds 

20 shares Metropolitan Traction Co., . 

50 " Baltimore Traction Co , . 
8 " Frankf 'd & Southwark Pass.R'y Co., 



Market Valna. 

$18,720 00 

6,724 76 

25,000 00 

26,600 00^ 

4,265 50 

17,000 00 

2,180 00 

850 00 

2.664 00 J 



LoaiMd TbereoD. 

$10,000 00 
10,000 00 



48,000 00 



FIRE ASSOCIATION OF FHILADELFHIA. 



201 



100 shares Lehigh Coal & Nayigation Co , 
100 " Columbas Street Railway Co., 
200 ^ Flat Top Coal Land Association, 
Fort Worth & Rio Grande bonds, . 
Ohio River bonds, .... 
Richmond Electric Railroad bonds, . 
Mortgages assigned, 
Richmond Railroad & Electric Co. bonds, 

60 shares Commonwealth L. T. & T. Co. 
Ohio Rirer Railroad bonds, 
Fort Worth & Rio Grande bonds, 
100 shares Lehigh Coal & Navigation Co. 
200 " Flat Tup Coal Land Asso., 
100 '* Catawissa Railroad, 
Crosstown Street Railroad Co. bonds, 
100 shai*es Flat Top Coal Land Asso., 
900 

60 

sas 

250 
37 
100 
176 



Philadelphia Traction Co., 
Catawissa Railroad Co., . 
Merchants^ National Bank, 
Camden Iron Works, 
United New Jersey Railroad, 
Diamond State Iron Co., 
Pennsylvania Railroad Co., 

Pennsylvania Railroad bonds, . 

North Penn. Railroad bonds, . 

Loaned on company^s own stock, $8,750 00 



it 



4t 



»t 



ftt 



Market Valne. 
f 4,100 00^ 
4.300 00 
10,000 00 
4,700 00 
6,720 00 J 
27,900 00 
28.600 00 
22,600 00 
4,020 00 
8,400 00 
4,280 00 
4,100 00 I 
3,000 00 J 
4,800 00 
8,100 00 } 
6,000 00 S 
60,300 00 
2,400 00 
33,300 00^ 
12,600 00 
8.843 00 
7,600 00 
9,064 00 
2,630 00 

1,220 00 ; 



Loaned Thereon. 

* $26,000 00 

24,800 00 

27,600 00 

20,000 00 

3,000 00 

')> 15,000 00 

1.300 00 
10,000 00 

60,000 00 
1,600 00 



66,000 00 



$392,231 26 $296,100 00 



Summary of Assets Dec. 81, 1896. 

Cash value of unencumbered real estate, . $208,800 00 

Loans on mortgage of real estate (first liens * ) , 2,1 33,22 161 

Interest due or accrued thereon, . . . 66,108 16 

Stocks and bonds, as per schedule, . • 2,244,888 00 

Loans on collateral security, as per schedule, . 296,100 00 

Cash in the ofSce of the company, . . . 6,411 97 

Cash deposited in bank, 164,464 94 

Interest due and accrued, 12,647 29 

Premiums in course of collection (gross), . 708,206 66 

Rents, 1,648 00 

Reinsurance on losses, 8,667 83 

Gross assets. 15,831,054 24 

Deduct special deposits in other States, . * . . . 110,530 00 

Balance, $5,720,524 24 

• Valaa of lande mortgaged, $2,897,510 00 

Vaino of bnUdlnga thereon, 3,480,040 00 

Amonm of Inanranoe hold aa eoUataral, .... 1,067,016 00 



202 FIRE ASSOCIATION OF PHILADELPHIA. 



Liabilities. 

Losses adjusted, unpaid, $102,599 23 

claimed and reported, .... 119,469 39 
disputed or resisted, .... 80,277 74 

Total amount of losses, 1252,346 36 

Less reinsurance, 23,026 99 

Net amount of unpaid losses, . . . f 229,319 37 

Unearned premiums on outstanding risks, . 1,956,138 66 

Reclaimable on perpetual fire policies, . . 1,934,352 36 

State and local taxes 14,944 14 

(Commissions and brokerage, .... 115,551 97 

Return premiums, 67 ,4 IB 50 

Reinsurance disallowed, 2,009 27 

Reinsurance, 105,442 79 

Gross liabilities, except capital, . 94,425,170 06 

Deduct liability on special deposits, . . 44,552 72 

14.380,617 34 

Surplus as regards policy holders, $1,339,906 90 

Paid-up capita], 500,000 00 

Surplus over capital, $839,906 90 

Income. 

Fire premiums outstanding Dec. 31, 1895, . $516,384 24 
Premiums on risks written or renewed, . . 8,848,147 51 

Total $3,864,531 75 

Premiums now in course of collection, . . 708,206 55 

Entire premiums collected, .... $3,156,325 20 
Less reinsurance and return premiums, . . 563,180 94 

Net cash fire premiums received, . . . $2,593,144 26 

Interest received on mortgages, 106,285 40 

Interest and dividends received from all other sources, . . 142,532 41 

Income from rents, 3,976 70 

Income from commissions, 1,160 00 

Deposits received for perpetual fire risks, $58,445 40 

Gross cash income, $2,847,098 77 



EXFENDrrURES. 

Cash paid for fire losses, $1,554,070 71 

Deduct salvage and reinsurance, . . • 69,822 21 

Net cash paid for fire losses, .... $1,484,248 50 



THE FIRE IN8UBANGE GO., COUNTY OF PHII^DELPHIA. 203 

Cash dlyidends paid, t200,000 00 

Cash paid for commissions and brokerage, .... 585,560 02 

for salaries of officers and employees, . . . 837,484 07 

for State and local taxes, 67,670 11 

for interest, 3,757 06 

for incidentals, 444 57 

Gross cash expenditures, $2,679,164 33 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 81, 1895, f 354,443,097 00 13,756.154 16 

269^94,896 00 3,283,208 18 



Fire risks written during 189^, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, 



$624,337,993 00 $7,039,362 34 
252,434,261 00 3.024.677 73 



$371,903,732 00 $4,014,684 61 
16,957,733 00 190,742 76 



$354,945,999 00 $3,823,941 85 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from. organization of company, 
XHridends declared during the year (40 per cent), 
Company^s stock owned by directors, .... 



$41,348,017 00 
. 23,520,105 00 
. 1,404,485 00 
. 5,179,762 00 
. 200,000 00 
40,250 00 



«THE FIRE INSURANCE COMl^ANY OF THE COUNTY OF 
PHILADELPHIA," PHILADELPHIA, PA. 

[Incorporated May 81, 1882. Oommancad boslDeafl April 19, 1838.} 

Paid-up Capital, $400,000. 
CHABUES R. PBGK, Pretidtni. B. A. LAW, Secretary. 



Detailed Statebient of Stocks 



Jersey City bonds, 

Lehigh Vsdley R.R. bonds, . • 

Delaware and Bound Brook R.R. bonds, 
Cfttawissa R.R. Co. bonds, 
Pennsylvania Company bonds, 
Pennsyivania & N. Y. Canal and R.R. bonds. 



AND Bonds. 

Par Value. 
#9,000 00 

13,000 00 

24,000 00 

4,000 00 

1,000 00 

6,000 00 



Market Valae. 

t9,180 00 

16,470 00 

28,800 00 

4,360 00 

1,040 00 

7,260 00 



204 THE FIBE mSUBANCE GO., GOUNTT OF FHILADELFHIA. 



11 shares Elmira & Williamsport R.R., . 
Pittsburgh, Cincinnati & St. Louis R^y bonds, . 
New York Car Trust bonds, .... 
United New Jersey R.R. and Canal Co. bonds, 
Philadelphia & Erie R.R. bonds, 
Pennsylvania R.R. bonds, .... 

Junction R.R. Co. bonds, 

Camden & Atlantic R.R. bonds, 
Belvidere Delaware R.R. bonds. 
Connecting Railway bonds, .... 
264 shares Phila., Gennant^n & Norrist^n R.R., 

City of Camden bonds, 

Pennsylvania R.R. bonds, .... 

150 shares United Companies of New Jersey, 
205 " Germantown Passenger R'y Co., , 
Schuylkill River East Side R.R. bonds, . 
Pennsylvania Steel Co. bonds, .... 
Baltimore & Ohio Equipment Asso. bonds, 
100 shares 2d and 3d St. Passenger R^y Co., • 
Pennsylvania & Northwestern R.R. bonds, 
220 shares Pennsylvania R.R. Co., . 
Lehigh Valley Railway bonds, .... 
69 shares NU B'k of the No'n Liberties, Phila., 
Lehigh Valley R.R. bonds, .... 
100 shares Solicitors^ Loan and Trust Co., 
104 shares North Pennsylvania R.R. Co., • 
PhUa. City Pass. Railway Co. bonds, 
Lombard and South St. Pass. R^ Co. bonds, . 
20 shares 13th and 15th Sts. Pass. R'y Co., 
Newark Pass. R^y Co. bonds, .... 
28 shares Bank of North America, Phila., 
10 shares First National Bank of Phila., . 
Huntingdon & Broad Top Car Trust Fund, . 
Northern Central R^y Co. bonds, 
50 shares Frankfd& South w'kP.C.PJt.R.Cp., 
164 •• Union Traction Co., Phila., . 
Electric and People^s Traction Trust otfs., • 



ParValiie. 

$550 00 

20,000 00 

1,000 00 

20,000 00 

10,000 00 

11,000 00 

7,000 00 

4,000 00 

1,000 00 

3,000 00 

13,200 00 

1,000 00 

6.000 00 

15,000 00 

10,250 00 

15,000 00 

15,000 00 

12,000 00 

5,000 00 

10,000 00 

11,000 00 

25,000 00 

3,450 00 

15,000 00 

5,000 00 

5,200 00 

8,000 00 

3,000 00 

1,000 00 

5,000 00 

2,800 00 

1,000 00 

5,000 00 

10,000 00 

2,500 00 

1,640 00 

25,000 00 



'ICuketValiie. 

$473 00 

21,900 00 

1,000 00 

21,400 00 

11,800 00 

14,500 00 

7,490 00 

4,180 00 

1,060 00 

8,330 OO 

33,000 00 

1,140 00 

7,080 00 

35,700 00 

25,625 00 

15,450 00 

15,000 00 

12,000 00 

22,600 00 

10,250 00 

11,885 00 

25,250 00 

9,315 00 

18,562 50 

1,500 00 

8,684 00 

8,210 00 

3,000 00 

4,750 00 

5,850 00 

7,028 00 

2,050 00 

5,000 00 

11300 00 

16,650 00 

1,599 00 

17^2 50 



1361,590 00 $483,284 00 



Securities held as collateral for cash loans : — 

100 shares Union Passenger R^y Co., • 
1,000 " Union Traction Co., . 
21 *• Union Passenger R*y Co., . 
8 '' Girard F. & M. Insurance Co., . 



Markfit Vtlae. 
121,000 00 

9,750 00 
4,410 00 
2,440 00 



Loaned ThcnoB. 

$15,000 00 

7,000 00 

2,200 00 

1300 00 



$37,600 00 $26,000 00 



TH£ FIRE INSURANCE GO. 9 COUNTY OF PHILADELPHIA. 205 



Summary of Assets Dec. 

Cash Taloe of unencumbered real estate. 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . . 

Interest due and accrued, 

Premiums in course of collection (gross). 

Rents, 

Perpetual deposits in other companies,- . 

Gross assets 

Liabilities. 



31, 1896. 

f 79,040 00 

230,160 00 

3,143 76 

483,284 00 

26,000 00 

368 32 

28,762 38 

66 44 

16,266 16 

196 66 

6,289 26 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted. 

Total amount of losses, . 
Less reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Commissions and brokerage, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital. 



tl,633 46 

7,666 00 

683 00 

19,881 46 
2,265 76 

17,616 70 

76,927 44 

229,017 13 

3,384 30 

10,166 60 



Surplus as regards policy holders, 
Paid-up capital. 



1871,606 97 



326,111 07 

$646,394 90 
400,000 00 



Surplus oyer capital, tl46,394 90 



Income. 

Fire premiums outstanding Dec. SI, 1896, 
Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received. 

Interest received on mortgages. 

Interest and dividends received from all other 

Income from all other sources. 

Deposits received for perpetual fire risks. 

Gross cash income, .... 



$14,298 93 
164,607 81 

$168,906 74 
16,266 16 

$163,660 68 
36,033 40 



sources, . 

$9,261 60 



$117,617 18 

9,740 68 

27,813 77 

2,076 62 

$167,247 16 



• Value of mortfiged premlset, 



$424,860 00 



206 



FIBEIfAN'S FUND mSUBANOB GO. 



•82,427 10 
5331 04 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance. 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, . . . . 

for salaries of officers and employees, . 

for State and local taxes, 

for general expenses, 

Deposits returned on perpetual fire risks, . $12,881 80 



$76,596 06 

24,000 00 

24,746 38 

10311 22 

5,359 15 

9,060 65 



Gross cash expenditures, $150,573 46 



Risks and Premiums. 



Fire risks outstanding Dec. 81, 1895, 
Fire risks written during 1896, 



Total 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, 



. $15,298301 00 
. 18,871,040 00 



$29,164,341 00 
14,075,886 00 

$15,088305 00 
1,894,600 00 



$178,742 44 
154,607 81 

$338,350 25 
162,416 58 

$170,933 72 
19,071 S2 



.$13,193,905 00 $151,862 40 



Perpetual risks in force (not incPd above), . $10,484,167 00 $252388 27 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company. 
Dividends declared daring the year (6 per cent.), . 
Company^s stock owned by directors, . • • . 



$2,672,726 00 

1,727,700 00 

66,987 00 

684,408 00 

24,000 00 

70,100 00 



"FlREMAN^S FUND INSURANCE COMPANY,'' SAN FRANCISCO, 

CAL. 

[Inoorporated May 8, 1868. Commeoaod batlaaM Jane 18, 1888.] 

PaiD'Xtp Capital, $1,000,000. 

D. J. STAPLES, PreHdent. BERNARD FAYHONVILLB, 8€ortiary. 

Detailed Statement of Stocks and Bonds. 

Par YaliM. llarkeC Valae. 

Omnibus Cable Railway Co. bonds, . $105,000 00 $124,425 00 

Market Street Railway Co. bonds, . . 100,000 00 106,000 00 

Powell Street Railway Co. bonds, . . . 15,000 00 17,100 00 



firebian'6 fund insurance go. 



207 



Sutter Street Railway Co. bonds, 

Presidio & Ferries R.R. Co. bonds, . 

San Francisco & North Pacific Railway bonds 

United States bonds, 

Oakland Gas, Light and Heat Co. bonds, 
Stockton Gras and Electric Co. bonds, 
San Diego Gas and £lectric Light Co. bonds, 
Biyerside Water Co. bonds. 
Baker City, Or., water bonds, . 
Pacific Rolling Mills bonds. 
Baker City, Or., school bonds, . 
Palo Alto, Cal., school district bonds, 
San Pascnal, Cal., school district bonds, . 
Olympic Club bonds, .... 
Los Angeles Lighting Co. bonds, 
Marin County water bonds. 
Independence City, Or., bonds, 
2,986 shares Home Mutual Insurance Co., 
Bank of California stock, 
First National Bank, S. F., stock 
Anglo-California Bank stock, 
Oakland Bank of Savings stock, 
California Safe Dep. & Trust Co 
Sather Banking Co., 
California Street Cable R.R. Co 
Sutter Street R.R. Co., . 
Market Street Railway Co., . 
San Fran. & San Joaquin Val. R.R 
Oakland Gas, Light and Heat Co., 
San Francisco Gaslight Co., 
Pacific Gas Improvement Co., 
Spring Valley Water Co., 
California Dry Dock Co., 
Pacific Rolling Mills stock, • 
Stockton Gas and Electric Co., 
San Fran'co & S Joaquin C^l Co 
Oakland Ix>an and Building Ass^n, 



110 
187 
100 
450 
300 
340 
1,000 
440 
200 
100 
650 
200 
200 
450 
656 
500 
786 
450 
100 



u 



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t4 



Par Value. 
150,000 00 

37,000 00 

20,000 00 

26,000 00 

50.000 00 

32,000 00 

20,000 00 

20,000 00 

17,000 00 

18.000 00 

20,000 00 

15,000 00 

6,250 00 

5,000 00 

5,000 00 

5,000 00 

3,000 00 

298,600 00 

11,000 00 

18,700 00 

5,000 00 

22,500 00 

30,000 00 

34,000 00 

100,000 00 

44,000 00 

20,000 00 

10,000 00 

42,900 00 

30,000 00 

20,000 00 

45,000 00 

65,600 00 

50,000 00 

23,580 00 

15,000 00 

3.600 00 



Market Value. 

•55,000 00 

37,000 00 

20,000 00 

29,875 00 

53,500 00 

32,480 00 

20,000 00 

20,000 00 

17,850 00 

13,325 00 

21,000 00 

15,600 00 

6,250 00 

5,000 00 

5,050 00 

5,100 00 

3,000 00 

600,000 00 

26,180 00 

34,595 00 

6,000 00 

29,250 00 

32,400 00 

25,500 00 

108,000 00 

44,000 00 

»,600 00 

10,000 00 

34,775 00 

19,500 00 

18,000 00 

48375 00 

24,600 00 

11,250 00 

11,790 00 

15,000 00 

3,600 00 



11,462,730 00 11.714,470 00 



Securities held as collateral for cash loans : — 



50 shares Eagle Canning Company, . 
500 ^ Southern Pacific Milling Co., 
200 "• Bank of Sonoma County, 
18 ** California Street Cable R.R. Co., 
68 ** Pacific Gas Improyement Co., 
100 ** Pacific Tele'h and Telephone Co., 



Market Value. 
tl^OO 00 

37,500 00 

22,000 00 

1,944 00 

6,120 00 

4,800' 00 



} 



Loaned Thereon. 

•801 65 
15,000 00 
15,000 00 

5,000 00 



208 fireman's fund insurance co. 



Market Valae. Loaned Thereon. 

City of Albany, Linn County (Or.), bonds, . $20,000 00 ? u 950 90 
School Dist No. 1, Clackamas Co. (Or.), bonds, 6,500 00 

390 shares Bank of Sonoma County, 
1,600 " S. F. & North Pacific R'y Co., 

700 " California Safe Dep. & Trust Co. 
2,600 "" S. F. and San Joaquin Coal Co., 

888 '^ Palace Hardware Co , . 

160 *' Califoraia Safe Dep. & Trust Co., 
7 " Spring Valley Water Co., . 

200 ** Alaska Packers^ Association, 

400 *' Sutter Street Railway Co., . 

403 *• California Dry Dock Co., . 



42,900 00 34.000 00 

15.000 00 7,500 00 

76.600 00 } 74 ^ ^ 
83,333 38 S 

10.000 00 5.000 00 

16,200 00 10,000 00 

682 50 500 00 

20,000 00 10,000 00 

40,000 00 24,500 00 

16,112 50 7.500 00 



1418,192 33 $210,762 55 

SUBCMART OF ASSETS DeC. 31, 1896. 

Cash value of unencumbered real estate, . $411,700 00 

Loans on mortgage of real estate (first liens *), 488,173 69 

Interest due or accrued thereon, . 11,796 39 

Stocks and bonds, as per schedule, . . 1,714,470 00 

Loans on collateral security, as per schedule, . 210,762 66 

Cash deposited in bank, 261.361 26 

Interest due and accrued, 63^0 63 

Premiums in course of collection (gross), . 359,760 84 
Bills receivable, not matured, taken for marine 

and inland risks, 42,090 14 

Due for reinsurance on losses, .... 21,699 51 

Gross assets, $3,627,668 80 

Deduct special deposits in other States, 79.875 00 

Balance, $3,447,778 80 

Liabilities. 

Losses adjusted, unpaid, $13,101 96 

claimed and reported, .... 103.914 42 

disputed or resisted, .... 7,036 10 

Total amount of losses, $124,061 47 

Less reinsurance, 27,902 23 

Net amount of unpaid losses, .... f 96,149 24 

Unearned premiums on outstanding risks, . 1,215,988 23 

Reinsurance disallowed, 102,397 76 

Commissions and brokerage, .... 27.960 45 

* Valn« of landa mortgaged, $1,031,500 00 

Valae of balldlnga ihereoo, 288,300 00 

Amount of Insaimnee held m oollAtenil, .... 18&,iM 00 



fireman's fund insurance CO. 



209 



Voluntary reserve to offset cut rates in Cal , 
Marine bills payable, .... 
Agents'* credit balances, .... 



Gross liabilities, except capitnl, 
Deduct liability on special deposits. 



f 76,000 00 
2,808 89 
6,020 68 

11,626,326 16 
46,107 60 



11,479,217 65 



Surplus as regards policy holders, |1, 968,661 15 

Paid-up capital, 1,000,000 00 

Surplus oyer capital, t968,661 16 



Income. 

Fire premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, . 

AOtal, a ...... 

Premiums now in course of collection, . 

Entire premiums eolIecte<1, 

Less reinsurance and return premiums, . 

Net cash lire premiums received, 

Marine prcminms outstanding Dec. 31, 1896, 

Premiums on risks written or renewed, . 



Totol 

Premiums now in course of collection, . 

Entire prcminms collected, . 

Less reinsurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages. 

Interest and dividends received from all other 

Licome from rents, ..... 



Gross cash income, 



Expenditures 

Cash paid for fire losses, . 

Deduct salvage and reinsurance, • 

Net cash paid for fire losses, . 

Cash paid fur maiine and inland losses. 

Deduct salvage and reinsurance, 

Ket cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 
for salaries of oflScers and employ 
for State and local taxes, 
for all other payments, . 



Gross cash expenditures, 



1345.478 19 
1,892,689 62 

12,238,067 81 
323,234 43 

11,914,833 38 
616,762 37 



tl,398,081 01 



164,513 96 
436,388 94 

$.500,862 90 
78,606 65 

1422,246 35 
192,663 46 



sources, . 



229,682 89 
22,8.55 07 

108,536 61 
19,491 69 

11,778,617 27 



$886,737 89 
101,463 46 

$210,491 10 
66,762 64 



ees. 



$786,274 43 



144,728 56 
120,000 00 
237,911 07 
189,724 19 
36,669 88 
161,642 72 



$1,676,940 ^6 



210 



THE firemen's INSURANCE CO. 



Risks and Premiums. 

Pmntomt. 

Firo risks outstanding Dec. 31, 1895, . t2l0,947,444 00 t2,514,756 60 
Fire ribks writtoo during 1896, . . 157,557,866 00 1,892,589 62 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, 

Marine risks outstanding Dec. 31, 1895, 
Marine risks written during 1896, . 

Total, 

Deduct risks expired and terminated, 



In force at end of year, . 
Deduct amount reinsured. 



$368,504,810 00 #4,407,346 22 
157,439,611 00 1^98,486 12 



$211,065,199 00 $2,508,860 10 
20,847,546 00 267,090 81 



$190,217,653 00 $2,241,769 29 

. $3,897,555 00 $155,162 54 
. 44,180,858 00 436,338 94 



.$48,078,413 00 $591,501 48 
. 42,109,228 00 417,498 71 



. $5,969,185 00 $174,002 77 
. 1,554,009 00 54,612 28 



Net amount in force, $4,415,176 00 $119,390 49 



MiSCFXLANEOUS. 

Premiums received from organization of company. 

Losses paid from organization of company, . 

Fire losses incurred duiing the year, 

Marine and inland losses incurred during the year. 

Cash dividends declared from organization of company 

Dividends declared during the year (12 per cent.). 

Company's stock owned by directors. 



$30,108,871 00 
15,300,427 00 
744,181 00 
156,479 00 
2,656,060 00 
120,000 00 
136,900 00 



"THE FIREMEN'S INSURANCE COMPANY OF BALTIMORE," 

BALTIMORE, MD. 

[loeorporatcd December, 1825. Commenced bualneee Aug. 2, 1S26.] 

Paid up Capital, $378,000. 
F. E. 8. WOLFB, Pretident, HARR7 L. RIALL, Seeretaiy, 

Detailed Statement of Stocks and Bonds. 

Par Valoe. Market ValM. 

United States bonds, $50,000 00 960,250 00 

Maryland State bonds, ..... 30,000 00 81,800 00 

Virginia State bonds, 21,550 00 2,156 00 

Baltimore city bonds, 160,000 00 168,450 00 



THE firemen's INSURANCE GO. 



211 



400 shares 
100 



M 



M 



«ft 



M 



160 
810 
200 
100 
4 
400 
300 

100 
49 

900 

Columbus 

Sioux City 

500 shares 

200 « 

100 •* 



ift 



■ft 



Nafl Farmers' & Planters' Bank, 
Merchants' National Bank, . 
National Bank of Baltimore, . 
National Mechanics^ Bank, 
Farmers' & Merchants' Natl Bank 
People's Bank, 
Equitable National Bank 
National Marine Bank, 
Western National Bank, 
First National Bank, 
Second National Bank, 
Citizens' National Bank, 
& Cincinnati Railroad bonds, . 
Term. R.R. & Whse. Co. stock, 
Baltimore City Pass. Railway, 
Central Railway Company, . 
Mercantile Trust & Deposit Co., 



Par Valoe. 
•10,000 00 

10,000 00 

16,000 00 

8,100 00 

8,000 00 

2,000 00 

400 00 

12,000 00 

6,000 00 

10,000 00 

4,900 00 

9,000 00 

6,000 00 

10,000 00 

12,600 00 

10,000 00 

6,000 00 



Varket Valae. 
f 18,400 00 

14,600 00 

23,040 00 

14,985 00 

12,400 00 

1,900 00 

380 00 

16,000 00 

12,000 00 

12,700 00 

9,565 00 
19,800 00 

8,600 00 

8,000 00 
31,500 00 
16,000 00 
13,600 00 



1400,460 00 1489,915 00 



Summary of Assets Dec 31, 1896. 



Cash yaluo of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued. 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Office furniture, etc , . $6,198 86 
Prem*s more than three mos. due, . 1,692 81 
Gross assets, 



1 146,876 00 

489,916 00 

16,655 80 

16,308 46 

6,086 16 

21,966 61 

907 82 



1698,713 24 



LlABILTTISS. 

• 

Losses adjusted, unpaid, . 
Losses claimed and reported, • 
Unearned premiums on outstanding risks. 
Dividends to stockholders, unpaid, . 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, . 

Gross liabilitiea, except capital, 



Sarplns as regards policy holders, 
Taid-up capital, . • • 



•7,161 04 

11,472 83 

186,656 74 

1,366 74 

4,992 22 

3,358 61 

10,764 65 



225.771 73 

1472,941 61 
878,000 00 



Surplus orer capital. 



•94,941 61 



212 THE firemen's insurance CO. 



Income. 

Fire premiums outstanding Dec. 31, 1895, . $25,200 66 
Premiums on risks written or renewed, . . 861,796 82 



Total, 1386,996 98 

Premiums now in course of collection, . . 23,578 82 



Entire premiums collected, .... $363,418 66 
Less reinsurance and return premiams, . . 95,580 30 

Net cash fire premiums received, . , . $267^38 36 

Interest and dividends received from all sources, . . . 18,415 00 
Income from rents, 6,761 53 



Gross cash income $293,014 89 

Expenditures. 

Cash paid for fire losses, $157,144 97 

Deduct salvage and reinsurance, . . . 9,401 11 

Net cash paid for fire losses, .... $147,743 86 

Cash dividends paid, 80,904 92 

Cash paid for commissions and brokerage, .... 60,783 81 

for salai-ies of officers and employees, . . . 17,506 00 

for State and local taxes, 13,740 41 

for incidentals, 14,848 83 



Gross cash expenditures, $285,527 83 

Risks and Premiums. 

Premiams. 

Fire risks outstanding Dec. 31, 1895, . . $32,669,958 00 $333,552 26 
Fire risks written during 1896, . . . 87,622,688 00 361,796 32 



Total, $70,292,646 00 $695,348 58 

Deduct risks expired and terminated, . . 30,311,165 00 302,428 94 



In force at end of year $39,981,48100 $392,919 64 

Deduct amount reinsured, .... 8.416,728 00 37,278 79 



Net amount in force, $36,564,753 00 $355,645 Sd 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . . • 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company. 
Dividends declared during the year (8 per cent.), . 
Company^s stock owned by directors, .... 



$7,570,150 00 

8,890,002 00 

128,336 00 

8,370,129 00 

30,240 00 

49,230 00 



firbmen's insubange go. 



213 



" FIREMEN'S INSURANCE COMPANY OF NEWARK, N. J.,'* 

NEWARK, N. J. 

[Incorporated Dec. 3, 1856. Commenced baalaeee Dec. 3, 1855.] 
Paid-up Capital, $600,000. 
DANIEL H. DUNHAM, Prt9i<UnU A. H. HABSINGKE, Seeretaty, 



Detailed Statement of Stocks 



United States bonds, 

Morris & Essex Railroad bonds. 

Orange & Newark Railroad bonds, . 

Essex Pass. Railway bonds, 

Montclair Gas and Water Company bonds, 

North Hudson County R*y Co. bonds. 

Underwriters' Prot. Asso. bonds. 

Suburban Electric Co., Elizabeth, N. J , bonds 

Newark Gas Company bonds, . 

Lehigh Valley Terminal Railway bonds, 

Newark city water bonds, 

Atlantic City, N. J., water bonds, . 

United N. J. Railroad & Canal Co. stock, 

Delaware, Lack. & Western Railroad stock, 

Morris & Essex Railroad stock, 

Newark City National Bank stock, . 

Second National Bank stock, . 

National Newark Banking Company stock, 

National State Bank stock, 

Essex County National Bank stock, 

German National Bank stock, . 

Manufacturers' National Bank stock, 

Newark Fire InsuraTice Company stock, . 

Paterson Gas Company stock, . 

Newark Gas Company stock, . 

People's Light and Power Co. stock, 

Newark & Rosendale Lime and Cement Co., 



AND Bonds. 

Par Valae. 

f 20,000 00 
50,000 00 
40,000 00 
24,000 00 

6,000 00 
25,000 00 

1,000 00 

5,000 00 
50,000 00 

4,000 00 
25,000 00 
22,000 00 
18,900 00 
60.000 00 
70,000 00 
20,000 00 
20,000 00 
20,000 00 
82,600 00 
20,000 00 

4,200 00 
10,000 00 

5,000 00 
10,000 00 
11,850 00 
28,125 00 

4,000 00 



Market Valne. 

•20,550 00 
69,500 00 
44,000 00 
26,400 00 

5,000 00 
25,500 00 

1,000 00 

4,900 00 
62,500 00 

4,400 00 
26,000 00 
24,860 00 
88,082 00 
94,800 00 
113,400 00 
81,000 00 
28,000 00 
83,000 00 
50,375 00 
60,000 00 

8,400 00 
14,400 00 

7,250 00 
12,000 00 
11,850 00 
86,562 50 

2,400 00 



•600,575 00 •851,129 50 



Summary of Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens *), 

Interest due or accrued thereon, • . • 

Stocks and bonds, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in bank, 



f 130,203 62 

1,086,591 00 

16,067 96 

851,129 50 

1,707 54 

12,907 95 



* Total value of property mortgaged, . 
il mount of Invnrance held as collateral. 



$2,604,125 00 
1,410,725 00 



214 



firemen's insurance CO. 



Interest due and accrued, .... 

Premiums in course of collection (gross), 

Rents due and accrued, 

Salvage on losses paid, 

Prem^s more than three mos. due, $779 41 
Gross assets, .' 



17,101 00 

41,892 75 

828 66 

1,089 85 



•2,148,969 33 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Net amount of unpaid losses, . 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital, 



Surplus as regards policy holders, 
Paid-up capital, . . 



•865 81 
9,443 20 
4,612 00 
274,411 78 
1,905 00 

500 55 
7,860 69 
4,711 00 

200 52 



804,010 55 

•1,844,958 78 
600,000 00 



Surplus over capital, •1,244,958 78 



Income. 

Fire premiums outstanding Dec. 81, 1895, 
Same not collected, 



Net collected, 

Premiums on risks written or renewed, • 



Total 

Premiums now in course of collection, . 

Entire premiums collected, 
Less reinsurance and return premiums, . 
Net cash lire premiums received, . 
Interest received on mortgages, 



•86,238 51 
607 08 

•85,681 48 
875,548 89 

•411,175 82 
42,672 16 

•368,508 16 
42,043 69 



Interest and dividends received from all other sources, . 

Income from rents, 

Income from all other sources, 



•826,459 47 

58,086 01 

42,039 32 

9,700 60 

1,255 10 



Gross cash income, ^432,540 50 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance. 

Net cash paid for fire losses, . . . . 



•140,812 85 
1,116 02 



•189,696 83 



FHANKLIN FIBE INSURANCE CO. 



215 



Cash dividends paid, 

Ca:»h paid fur cominissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . . 

for incidentals, .... 

for real estate expenses, . . 



Gross cash expenditures, $324,284 47 




•72.000 00 
68,725 67 
21,867 96 
14,354 42 
16,687 49 
962 10 



Risks and Pbehiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 

J otal, • • . • • « • 
Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, . 



.$56,928,171 00 
. 82,767,235 00 



Premiamt. 

$522,951 43 
375,543 89 



. $88,690,406 00 $898,495 32 
. 82,215,027 00 351,897 91 



$56,475,379 00 $547,097 41 
1,216,198 00 11,147 58 



$55,259,181 00 $585,949 83 



MiSCKLLANEOUS. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends dechircd from organization of company, 
Dividends declared during the year (12 per cent ), 
Company's stock owned by directors, .... 



$7,440,809 00 

3,545,138 00 

126,488 00 

1,614,500 00 

72,000 00 

205,560 00 



"FRANKLIN FIRE INSURANCE COMPANY OF PHILADELPHIA,'^ 

PHILADELPHIA, PA. 

[Incorporated April 22, 1829. Commenced bustneM Jane, 1829.] 

Paxd-up Capital, $400,000. 

JAMSS W. MCALLISTER, PretidenU EZRA T. CREBSOX, Secretary, 



Detailed Statement of Stocks 



City of Springfield, 111., bonds. 

City of Sanduaky, O., bonds, . 

10 shares Philadelphia Boarse stock. 

City of Camden, N. J., bonds, . 

I*iUsburgh, Cbartiers & Youghiogheny R.R., 

Pennsylvania R.R. bonds, 

Shamokin, Sunbary & Lewisburg R.R., • 

Chartiers R^y bonds, .... 

Delaware River Ferry Co. bonds, . 

Penna & New York Canal & R.R. bonds, 



AND Bonds. 

Par Value. 

f 9,000 00 
45,000 00 
600 00 
40,000 00 
60,000 00 
76,000 00 
10,000 00 
6,000 00 
10.000 00 
60,000 00 



Market Value. 
•9,180 00 

49,500 00 
100 00 
40,000 00 
56,000 00 
87,000 00 
10,200 00 
6,720 00 
10,100 00 
60,500 00 



216 



FRANKLIN FIRE INSURANCE CO. 



Wilmington & Woldon R R. bonds, . 
Jacksonville, Louisville & St. Louis R.R., 
Huntingdon & Broad Top R.R., 
60 shares Independence National Bank, . 
Philadelphia city bonds, .... 
Lehigh Valley R.R. bonds, 
Pennsylvania R.R. bonds, 
Penna. & New York Canal & R.R. bonds, 
Phila., Wilmington & Baltimore R.R., . 
Philadelphia & Erie R.R. bonds, 
50 shares First National Bank of Philadelphia, 
Belvidere Delaware R.R., 
City of Quincy, 111., bonds, 
100 shares Southwark National Bank, 
Gloucester County, N. J., bonds, 
Northeni Pacific Railroad, 
Delaware & Bound Brook Railroad bonds, 
Chicago & Western Indiana Railroad bonds, 
Pennsylvania Railroad Tinist Loan, . 
Columbus & Cincinnati Midland Railroad, 
125 shares Phila., Wilmington & Bait. R.R., 
Baltimore & Potomac Railroad, 
West Jersey Railroad bonds, . 
Connecting Railroad Co bonds, 
Easton & Am boy Railroad bonds, . 
Elmira & Williamsport Railroad bonds, 
Phila., Wilm. & Balto. R.R. trust certificate, 
New York, Lack & Western Railroad bonds. 
West Jersey Railroad bonds, . 
New York Central Railroad bonds, . 
Harrisb'g, Portsm'th, Mt. Joy & Lane. R.R., 
Lehigh Coal and Navigation Co. loan, . 
Northern Central Railroad bonds, . 
50 shares Continental Hotel Co. stock, . 
Steubenville & Indiana Railroad bonds, . 
Pennsylvania Salt Manufacturing Co. bonds, 
Camden & Atlantic Railroad bonds, 
North Central Railroad bonds, . 
Philadelphia & Erie Railroad bonds, 
500 shares Mine Hill & Schuylkill Haven R.R. 
25 ** Penn. Co. for Ins. on Lives, etc., 
Lehigh Valley Coal Co. bonds, 
Baltimore & Ohio Railroad bonds, . 
Northern Central Railroad bonds, . 
River Front Railroad bonds, . 
Camden & Atlantic Railroad bonds, 
Borough of Beaver, Pa., bonds, 
Philadelphia & Reading Railroad bonds, 



Par Valae. 

150,000 00 

11,000 00 

29,000 00 

5,000 00 

2,200 00 

81,000 00 

61,000 00 

10,000 00 

28,000 00 

10,000 00 

5,000 00 

21,000 00 

19,000 00 

5,000 00 

7,000 00 

6,000 00 

8,000 00 

9,000 00 

30,000 00 

25,000 00 

6,250 00 

105,000 00 

14,000 00 

20,000 00 

25,000 00 

10,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

25.000 00 

10,000 00 

15,000 00 

5,000 00 

60,000 00 

47,000 00 

15,000 00 

11,000 00 

10,000 00 

25,000 00 

2,500 00 

20,000 00 

25,000 00 

10,000 00 

16,000 00 

11,000 00 

21,800 00 

50,000 00 



Market Value. 
151,750 00 

8,300 00 
80,160 00 
6,250 00 
2,332 00 
38,370 00 
80,330 00 
10,800 00 
28,680 00 
10,400 00 
10,000 00 
21,420 00 
19,000 00 
10,000 00 
7,070 00 
6,060 00 
8,320 00 
9,450 00 
32,400 00 
15,000 00 
7,500 00 
126,500 00 
15,120 00 
21,600 00 
26,750 00 
10,500 00 
25,750 00 
38,250 00 
29,500 00 
25,000 00 
26,000 00 
10,200 00 
16,800 00 
7,250 00 
66,000 00 
47,000 00 
17,700 00 
11380 00 
11,900 00 
27,000 00 
12,000 00 
19,400 00 
25,250 00 
10,800 00 
16,000 00 
1^,550 00 
22,890 00 
51,500 00 



FBANKUN FIRE INSURANCE CO. 



217 



St. Lonis, Yandalia & Tcrre Haute R.R. bonds, 
Pitts., Cincinnati & St. Louis Railroad bonds, 
Xorthem Centi-al Railway bonds, . 
Philadelphia & Reading Railroad bonds, 
City of Columbus, O., water works bonds, 
Lehigh Yalley Railroad Company bonds, 
Girard Point storage bonds, 
Susquehanna Coal Company bonds. 
Borough of Sewickly, Pa., school bonds, . 

City of Dayton, 0., bonds, 

Philadelphia & Baltimore Central R.R. bonds, 
Monongahela City, Pa., sewer and street bonds, 
City of Columbus, O., bonds, . 
JaeksonTiIIe Southeastern R. W. bonds, . 
Baltimore & Ohio Railroad bonds, . 
Allegheny Valley Railroad bonds, . 
Philadelphia Traction Company bonds, . 
Borough of Sewickly, Pa., water bonds, . 
Borough of Downingtown, Pa., water bonds, 
Lehigh Coal & Navigation Company bonds, 
City of Camden, N. J., bonds, . 
City of Lancaster, Pa., school bonds, 
Penna. & New York Canal & R.R. Co. bonds 
Lehigh Valley R.R. Car Trust, 
Phila. A Reading Coal and Iron Co. bonds, 
Jacksonville, Louisville & St. Louis R.R., 
Wisconsin Central Co.'s receiver's certif.. 



Par Valae. 
tl4,000 00 
70,000 00 
29,000 00 
41.000 00 
25,000 00 
100,000 00 
60,000 00 
15,000 00 
23,500 00 
26,000 00 

1,000 00 
18,000 00 
25,000 00 

4,000 00 
25,000 00 
25,000 00 
86,000 00 

2,000 00 
10,000 00 
50,000 00 

5,000 00 

4,000 00 

3,000 00 
55,000 00 
25,000 00 

2,750 00 
10,000 00 



Market Valoe. 

•14,280 00 

77,000 00 

82,600 00 

49,200 00 

26,000 00 

108,060 00 

44,000 00 

17,700 00 

24,675 00 

28,800 00 

1,050 00 

19,440 00 

25,500 00 

3,000 00 

27^500 00 

81,500 00 

87,080 00 

2,100 00 

10,500 00 

62,000 00 

5,000 00 

4,160 00 

2,850 00 

56,100 00 

26,250 00 

825 00 

10,100 00 



12,020,500 00 12,198,742 00 



Securities held as collateral for cash loans : — 



Western New York & Penna. R.R. bonds 

Electric & People's Traction Co., . 

New York, Phila. & Norfolk R.R., . 

Phila & Reading Terminal bonds, . 

300 shares Union Traction Co., 

200 

200 

100 

100 

100 

80 

45 

25 

10 
5 



Lehigh Valley Railroad Co , 
Phila. & Reading Railroad, 
Northern Pacific Railroad, 
St. Louis Southwestern Railroad, . 
Penna. Heat, Light and Power Co., 
Southern Railway Co., . 
Elmira & Williamsport R.R. Co., . 
Atchison, Topeka & Santa F6 R.R., 
Hestonvillo Passenger R'y Co., 
Guarantee Trust & Safe Deposit Co., 

McKeesport & Belle Vernon Railroad, . 

200 shares West End Trust & Safe Deposit Co., 



•4 



U 



«« 



Market Valne. 


Loaned Thereon. 


13,240 00 ^ 




5,600 00 




1,025 00 




1,100 00 




2,925 00 




6.150 00 




2.650 00 




1,400 00 


■ f 25,000 00 


850 00 




2,500 00 




720 00 




2,925 00 




350 00 




600 00 




902 60. 




22,500 00 } 
11,000 00 S 


25,000 00 


1 



218 



FRANKLIN FIRE INSURANCE GO. 



Electric & People's Traction Co.» . 
Newark Passenger Railway Co., 
300 shares Philadelphia Traction Co., 



800 
200 
100 
100 
100 
100 



(( 



cc 



cc 



«c 



cc 



Union Traction Co., 

Choctaw, Oklahoma & Gulf R.R., 

Lehigh Valley Railroad Co., . 

Texas & Pacific B R. Co , 

St. Louis Southwestern R.R Co., 

Penna. Heat, Light and Power Co. 

Electric & People's Traction Co., . 

500 shares United Gas Improvement Co., 

200 " Metropolitan Traction Co., . 

100 " Philadelphia Traction Co , , 

Consolidation Traction Co., N. J., . 

425 shares United Gas Improvement Co., 
80 ** Metropolitan Traction Co., 

McKeesport & Belle Vernon Railroad, . 

100 shares West End Trust & Safe Deposit Co. 

500 " Philadelphia Traction Co., . 

160 " Record Publishing Co., . 

Record Publishing Co. bonds, . 

New York, Phila. & Norfolk Railroad, . 

Lehigh Valley Railroad Co. bonds, . 

United Companies of New Jersey bonds, 

57 shares 13th and 15th Sts. Pass. R'y Co., 



Market Valne. 

134,545 00^ 

1,077 50 

20,025 00 

2.925 00 

1,500 00 }► 

8,075 00 

850 00 

850 00 

2,500 00 J 

8,500 00 X 

86,000 00 ! 

J 

830 00 

80,600 00 

8,270 00 

25,000 00 

5,500 00 

83,875 00 

18,300 00 

15,000 00 

4,100 00 

8,615 00 

2,240 00 

13,587 50 



Loaned TberecHi. 



150,000 00 



21,800 00 
6,675 00 



50,000 00 



} 



] 



Summary op Assets Dec 

Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross). 
Gross assets, 



25,000 00 

25,000 00 

25,000 00 
12,500 00 
10,000 00 

10,000 00 

10,000 00 
•361,127 50 1267,500 00 

31, 1896. 

1259,000 00 

217,008 00 

8,255 12 

2,198,742 00 

267,500 00 

8,243 68 

89,566 75 

3,686 66 

68,489 85 

13,105,442 06 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted. 



Total amount of losses. 
Less reinsurance. 



Net amount of unpaid losses, . 



1 16,080 69 
7,528 06 
6,.S38 00 

•29,946 75 
2,959 05 

•26,987 70 



* ToUl value of property roortgag<Hl, . 
Amount of insurance held aa o^lluteral. 



$T12,34« 00 
Sa«,838 00 



FRANKLtN riR£ INSURANCE CO. 219 

TlDeamed premiums on outstanding risks, . $134,798 98 

Reclaimable on perpetual fire policies, . . 1,164,621 80 
Diridends to stockholders unpaid, . . . 220 00 

Commissions and brokerage, .... 8,691 03 

Gross liabilities, except capital, . . $1,635,314 «51 

Surplus as regards policy holders, $1,470,127 55 

Paid-up capital, 400,000 00 

Surplus over capital, $1,070,127 55 

Income. 

Fire premiums outstanding Dec. 81, 1895, . $65,222 93 
Premiums on risks written or renewed, . . 542,954 38 



Total $608,177 26 

Premiums now in course of collection, . . 63,489 85 



Entire premiums collected, .... $544,687 41 
Less reinsurance and return premiums, . . 93,950 27 

Ket cash fire premiums received, . . . $450,737 14 

Interest received on mortgages, 13,742 16 

Interest and dividends received from all other sources, . . 118,470 49 

Income from all other sources, 10,365 43 

Deposits receiyed for perpetual fire risks, . $11,496 10 

Gross cash income, ........ $593,315 22 

Expenditures. 
Cash paid for fire losses, $271,492 07 

Deduct salvage and reinsurance, . . . 19,992 00 

Net cash paid for fire losses, .... '— $251,50007 

Cash dividends paid, 100,190 00 

Cash paid for commissions and brokerage, .... 82,305 18 

for salaries of officers and employees, . . . 40,637 45 

for State and local taxes, 20,999 19 

for general expenses, 86,550 57 

for repairs on real estate, 2,523 53 

Deposits returned on perpetual fire risks, . $40,709 21 

Gross cash expenditures, $584,705 99 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



PremJumfl. 



Total 

Deduct risks expired and terminated, 



In force at end of year, . 
Deduct amount reinsured. 

Net amount in force. 



$81,170,323 00 $924,620 49 
47,670,089 00 542,954 33 



$128,840,412 00 $1,467,574 82 
50,103,192 00 581,251 58 



$78,737,220 00 $886,323 24 
8,462,950 00 38,675 30 



$75,274,270 00 $847,647 94 



Perpc(nnl risks in force fnot iucFd above), $56,706,473 00 $1,264,688 30 



220 



GERMAN-AMERICAN INSURANCE CO. 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . . 
Fire losses incurred during the year, . , . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (25 per cent.), 
Compapy^s stock owned by directors, .... 



f 30,786,099 00 
16,365,523 00 
236,978 00 
5,484,000 00 
100,000 00 
12,200 00 



" GERMAN-AMERICAN INSURANCE COMPANY," NEW YORK, N.Y. 

[locorporated March, 1872. Commenced bueineM March 7, 1872.] 

Paid-up Capitai^ $1,000,000. 
EMIL OELBBRMANN. Preiident, WM. N. ERBMER, Secrttary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, . 

New York City bonds, 

Brooklyn city bonds, . 

St. Louis, Mo., bonds, 

Portland, Ore., water bonds, 

Atlanta, Ga , bonds, . 

Nashville, Tenn., water bonds, 

Albany & Susquehanna Railroad bonds, 

Chicago, Rock Island & Pacific R.R. bonds, 

Chicaofo, Milwaukee & St Paul R R. bonds, 

Chicago & Northwestern Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Central Pacific Railroad bonds, 

Columbus, Hock. Valley & Toledo R.R. bonds 

Columbus & Ninth Avenue R.R. bonds, . 

CleTeland, C. C. & St. Louis R.R. bonds, 

Lexington Avenue & Pavonia Ferry bonds, 

Erie Railroad bonds, .... 

Hannibal & St. Joseph Raili*oad bonds, . 

Little Miami Railroad bonds, . 

Louis. & Nash and Mobile & Mont^y bonds, 

Louisville & Nashville Railroad bonds, . 

Montana Central Railroad bonds, . 

New York, N. H. & H. Railroad certificates, 

Nashville, Chattanooga & St. Louis R.R. bonds 

N. Y., Lackawanna & Western R.R. bonds, 

N. Y , Susquehanna & Western R.R. bonds. 

New York Central Railroad bonds, . 

New York, Chicago & St. Louis R.R. bonds, 



Par Valae. 

•926,000 00 

927,784 00 

175,000 00 

100,000 00 

60,000 00 

25,000 00 

25,000 00 

75,000 00 

150,000 00 

120,000 00 

186,000 00 

152,000 00 

45.000 00 

25,000 00 

5,000 00 

50,000 00 

25,000 00 

141,000 00 

25,000 00 

25,000 00 

100,000 00 

24,000 00 

25,000 00 

19,500 00 

25,000 00 

100,000 00 

25,000 00 

100,000 00 

45,000 00 



Market Value. 

11,070,742 50 

914,617 50 

174,500 00 

107,000 00 

56,500 00 

25,500 00 

25,000 00 

84,562 50 

165,500 00 

137,775 00 

203,660 00 

152,920 00 

44,820 00 

21,875 00 

6,800 00 

46,000 00 

29,000 00 

177,632 50 

29,500 00 

27,500 00 

104,000 00 

27340 00 

28,125 00 

26,520 00 

24,987 50 

130,000 00 

26,000 00 

106,500 00 

46^76 00 



GERMAN-AMERICAN INSURANCE CO. 



221 



Pennsylvania Company bonds, 
St. Paal, Minn. & Manitoba R.R. bonds, . 
Syracuse, Binghamton & N. Y. R.R. bonds, 
Wabash R.R. bonds, .... 

AUeg^heny Street Railway bonds, . 
£dt8on Electric Ilium. Co. of N. Y. bonds, 
Minneapolis L. ft M. Street Railway bonds, 
Troy (N. Y.) City Railway bonds, . 
Underwriters' Pro. Asso. of Newark, N. J., b'ds 
Western Union Telegraph Co. bonds, 
Maryland Steel Company bonds, 
100 shares Albany & Susquehanna R.R., 



400 

1,000 

1,000 

500 

200 

1,200 

2,633 

490 

200 

2,550 

500 

300 

100 

200 

500 

400 

221 

1,000 

30O 

700 



M 



M 



M 



«« 



«4 



U 



M 



M 



Cleve., Cin.,Chic. & St. Louis R.R 
Cayuga & Susquehanna R R., 
Chic, Milwaukee & St. Paul R.R. 
Chicago & Northwestern R.R., 
BeX Hillsdale & South w'n R.R., 
Morris & Essex R.R., . 
New York & Harlem R.R., . 
I^. Y., N. H. & Hartford R.R., 
N . Y., Lackawanna & Weston R.R. 
Pennsylvania R R., 
Rensselaer & Saratoga R.R , 
St Paul, Minn. & Manitoba, 
American Exchange Nat^l Bank, 
Central National Bank, 
National Bank of Commerce, 
Fourth National Bank, 
German- American Bank, 
Consolidated Gas Company, 
New York Mutual Gas Light Co., 
Standard Oil Trust, 



Par Yalae. 

$80,000 00 
89,000 00 
30,000 00 
60,000 00 
25.000 00 
50,000 00 
25,000 00 
25,000 00 
1,000 00 
25,000 00 
50,000 00 
10,000 00 
40,000 00 
30,000 00 

100,000 00 
50,000 00 
20,000 00 
60.000 00 

131,650 00 
49,000 00 
20,000 00 

127,500 00 
50,000 00 
30,000 00 
10,000 00 
20,000 00 
50,000 00 
40,000 00 
16,576 00 

100,000 00 
30,000 00 
70,000 00 



Market Value. 
f88,060 00 

100,220 00 
37,050 00 
68,600 00 
25,000 00 
53,625 00 
21,500 00 
26,250 00 
1,000 00 
26,000 00 
42,5C0 00 
17,000 00 
28,800 00 
40,500 00 

180,500 00 
76,000 00 
19,400 00 
98,100 00 

385,734 50 
86,975 00 
23,600 00 

131,325 00 
90,500 00 
33,600 00 
17,100 00 
25,000 00 

100,000 00 
70,000 00 
17,901 00 

140,000 00 
69,000 00 

174,650 00 



SUMHART OF ASSETS DeC 

Cash value of unencumbered real estate. 
Stocks and bonds, as per schedule, . 
Cash in the ofiSce of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross). 

Gross assets,* 

Deduct special deposits in other States, . 



15,281,009 00 16,279,393 00 

31, 1896. 

tl5,000 00 

6,279,393 00 

4,835 84 

310,826 21 

7,307 67 

453,060 71 

17,070,423 43 

124,150 00 



Balance, f 6,946,273 43 



* Incladlng $100,000 apeclal rMerre fund held under New York law. 



222 



GERMAN-AMERICAN INSURANCE GO. 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted. 



Total amount of losses, 
Less reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, .... 
Reinsurance, ..... 



Gross liabilities, except capital. 
Deduct liability on special deposits. 



161,379 72 

187,032 25 

39,777 40 

1288,189 37 
12,063 00 

$276,126 37 

2,675,283 13 

29,912 86 

89,823 68 

2,784 11 

89,455 16 

•3,063,335 21 
90,321 62 



$2,973,013 59 



Surplus as regards policy holders, 13,973,259 84 

Paid-up capital, 1,000,000 00 



Surplus over capital, $2,973,259 84 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Same not collected, 



Net collected, 

Premiums on risks written or renewed, . 



$418,702 32 
4,307 83 

$414,394 49 
3,623,289 24 



Total, $4,037,683 73 

Premiums now in course of collection, . . 453,060 71 



Entire premiums collected, .... $3,584,623 02 
Less reinsurance and return premiums, . . 950,521 87 

Net cash fire premiums received, . . . $2,634,101 15 

Interest and dividends received from all sources, . . . 276,148 92 
Income from rents, ......... 1,428 75 



Gross cash income, $2,911,678 82 



Expenditures. 

Cash paid for fire losses, $1,594,700 19 

Deduct salvage and reinsurance, . . . 229,790 99 

Net cash paid for fire losses, .... $1,364,909 20 



GERMAN FIRE INSURANCE CO. 223 

Cash dividends paid 1200,000 00 

Cash paid for commissions and brokerage, .... 471,433 23 

for salaries of officers and employees, . , . 172,529 14 

for State and local taxes, 76,223 60 

for general expenses, 231,123 09 

Gross cash expenditures, f 2,516,218 26 

Risks and Premiuhs. 

Premlutnt. 

Fire risks outstanding Dec. 31, 1895, . 1541,825,237 00 1^,330,590 36 
Fire risks written daring 1896, . . 369,949,926 00 3,623,289 24 

Total, $911,775,163 00 $8,953,879 60 

Deduct risks expired and terminated, . 361,697,153 00 3,681,265 39 

In force at end of year, .... $550,078,010 00 $5,272,614 21 
Deduct amount reinsured, . . . • 7,752,111 00 87,725 12 



Net amount in force, .... $542,325^99 00 $5,184,889 09 

Miscellaneous. 

Premiums received from organization of company^ . $46,346,573 00 
Losses paid from organization of company, .... 24,489,256 00 

Fire losses incurred during the year, 1,272,304 00 

Cash dividends declared from organization of company, . 3,540,000 00 
Dividends declared during the year (20 percent), . . 200,000 00 
Company *8 stock owned by directors, 244,400 00 



"GERMAN FIRE INSURANCE COMPANY OF THE CITY OF 

PITTSBURGH," PITTSBURGH. PA. 

[Ineorporated If arch 27, 1862. ComIDeDo^d bnslneu Jaly, 1802.] 

Paid-itp Capital, $200,000. 
iL B. SnCCOP, PtMtdeni, F. L. GROSS, Secretary. 

Detailed Statement of Stocks and Bonds. 



First National Bank, Pittsburgh, stock, . 
Second National Bank, Pittsburgh, stock. 
Third National Bank, Pittsburgh, stock, . 
German National Bank, Pittsburgh, stock. 
Exchange National Bank, Pittsburgh, stock, 
Allegheny National Bank, Pittsburgh, stock, 
&f. & M. National Bank, Pittsburgh, stock. 
Metropolitan Nat*l Bank, Pittsburgh, stock. 
Fifth Avenue Bank, Pittsburgh, stock, • 
First National Bank, Allegheny, stock, . 



Par Value. Market Valne. 

•10,000 00 117,700 00 

10,000 00 28,700 00 

10,000 00 12,926 00 

10,200 00 81,110 00 

5,000 00 8,260 00 

6,000 00 6,150 00 

2,150 00 3,289 60 

300 00 863 00 

600 00 400 00 

10,000 00 12,600 00 



f24 



GERMAN FIBE INSURANCE CO. 



Par Valne. Market Yalnc 

Second National Bank, Allegheny, stock, . $4,500 00 110,120 (nj 

Aleppo township school bonds, . . , 1,800 00 1,800 00 

People's Park Passenger Railway bonds, . 6,000 00 6,600 00 



175,450 00 1140,012 50 
Securities held as collateral for cash loans : — 

Market Valae. Loaned Thereon. 

7 shares German Nat'l Bank, Pittsburgh, . |2,135 00 |1,000 00 

100 " German Sav'gs & Dep. B'k, Pitts., . 15,500 00 10,000 00 

16 *' Allemannia Fire Ins. Co., Pitts., . 750 00 200 00 



f 18,885 00 tll,200 00 

Summary of Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, . |49,200 00 

Loans on mortgage of real estate (first liens *), 236,260 00 

Interest due or accrued thereon, . . . 4,692 66 

Stocks and bonds, as per schedule, . . , 140,012 50 

Loans on collateral security, as pel* schedule, 11,200 00 

Cash deposited in bank, 33,772 47 

Interest due and accrued, 960 44 

Premiums in course of collection (gross), . 32,959 28 

Rents due, 120 50 

Prem^s more than three mos. due, f^^^ ^^ 

Gross assets, $509,177 85 

LlARIUTIES. 

Losses adjusted, unpaid, t^,998 71 

claimed and reported, .... 4,730 00 

disputed or resisted, .... 3,016 31 

Total amount of losses, ..... 113,74502 
Less reinsurance, ...... 2 39 

Net amount of unpaid losses, .... flSJ-ki 63 

Unearned premiums on outstanding risks, • 159,795 60 

Due and accrued for rent, salaries, etc., . • 1,166 15 

State and local taxes, 780 00 

Commissions and brokerage, .... 6,163 30 

Reinsurance disallowed, 782 66 

Reserved for contingencies, .... 5,000 00 

Gross liabilities, except capital, . . 187,430 34 

Surplus as regards policy holdei*s, 1321,747 51 

Paid-up capital, 200,000 00 

Surplus over capital, $121,747 51 

* Valae of laoda mortgaged, $SM,050 00 

Valne of buildings thereon 280,000 00 

Amoant of Inturanoe held aa ooUateral, 225,250 00 



GERMAN FIRE INSURANCE CO. 



225 



Income. 

Fire premiams oatstanding Deo. 81, 1895, •26«886 49 

Premiams on risks written or renewed, . 247,088 72 

Total, 1273,976 21 

Premiums now in comrse of collection, . . 83,772 47 

Entire premiams collected, .... $240,202 74 
Less reinsurance and return premiams, . . 45,587 39 

^et cash fire premiams received, . . t^9Mi5 85 

Interest received on mortgages, 12,506 67 

Interest and dividends received from all other sources, . . 5,978 80 

Income from rents, 2,287 19 

Income from commissions, 1,068 59 

Gross cash income, $216,451 10 

EXPENBITUBES. 

Cash paid for fire losses, $^4,286 05 

Deduct salvage and reinsurance, . . 8,795 02 

Net cash paid for fire losses, .... $90,491 08 

Cash dividends paid, 20,000 00 

Cash paid for commissions and brokerage, .... 48,106 87 

for salaries of officers and employees, . . 9,909 84 

for State and local taxes, 7,286 02 

for all other expenditures, 15,198 84 

Gross cash expenditures, $190,992 10 



Risks and Premiums. 



Fire risks outstanding Dec. 81, 1895, 
Fire risks written during 1896, 



Total, 

Dedact risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, 



.$27,421,017 00 
. 19,981,182 00 



$47,402,149 00 
21,892,446 00 

$26,009,708 00 
475,167 00 



Premlnmt. 

$334,796 06 
247,088 72 

$581,884 78 
262,277 92 

$819,606 86 
6,115 18 



. $25,534,586 00 $813,491 68 



Miscellaneous. 

Premiams received from organization of company. 
Losses paid from organization of company, . 
Fire losses incarred daring the year, .... 
Cash dividends declared from organization of company, 
Di?idends declared during the year (10 per cent.), . 
Company^s stock owned by directors, .... 



$4,951,405 00 

2,895,893 00 

74,649 00 

658,000 00 

20,000 00 

26,850 00 



226 



GERMANIA FIRE INSURANCE CX). 



"GERMANIA FIRE INSURANCE COMPANY." NEW YORK, N. Y. 

[Incorporated March 2, 1860. Commenced baelneec March 3, 1860.] 
Paid-up Capital, $1,000,000. 
HUGO SCHUMANN, Pretidtnt. CHARLES RUYKHAVSB, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 
1950,000 00 

60,000 00 
30,ObO 00 
26,000 00 
86,000 00 
26,000 00 
25,000 00 
10,000 00 
20,000 00 
25,000 00 
25,000 00 
10,000 00 
25,000 00 
15,000 00 
20,000 00 
26,000 00 
16,000 00 
20,000 00 

6,000 00 
26,000 00 
60,000 00 
62,100 00 
85,000 00 
25,000 00 
16,000 00 
25,000 00 

1,000 00 
15,000 00 
10,000 00 
60,000 00 
30,000 00 
60,000 00 
60,000 00 
60,000 00 
46,000 00 
60,000 00 

9,876 00 
60,000 00 

6,000 00 
60,000 00 



United States bonds, 

Baltimore & Ohio R.R. Co. bonds, . 
Chesapeake & Ohio Railway Co. bonds, . 
Chic , Rock Island & Pacific R.R. bonds, . 
Chicago & Northwestern Railway Co. bonds, 
Cleve., Col., Cin. & Indianapolis R.R. bonds, 
Denver & Rio Grande Railroad bonds, . 
Dry Dock, East B Vay & Battery R.R. bonds, 
Fargo & Southern Railway bonds, . 
Flint & P^re Marquette Railroad bonds, . 
Georgia State bonds, .... 
Harlem River & Port Chester Railroad bonds 
Kentucky Central Railway bonds, . 
Long Island Railroad bonds, . 
Michigan Central Railroad bonds, . 
Milwaukee & Northern Railroad bonds, . 
Milwaukee & St. Paul Railway bonds, . 
Mississippi State bonds, .... 
Morris & Essex Railroad bonds, 
N. Y., Brooklyn & Manhattan Beach R'y bonds 
Pennsylvania Company bonds, 
Richmond city bonds, .... 
Rome, Watertown & Ogdensburg R.R. bonds. 
St. Paul, Minn. & Manitoba Railway bonds, 
St. Paul & Northern Pacific Railroad bonds, 
Third Avenue Railroad Company bonds. 
Underwriters' Protective Asso. of Newark, 
Union Elevated Railroad, Brooklyn, bonds, 
Commercial Cable Co., stock, . 
Consolidated Gas Company stock, . 
Broadway & Seventh Avenue Railroad stock 
Chicago & Alton R.R. stock, . 
Chicago, Milwaukee & St. Paul R R. stock, 
Chicago & Northwestern Railway Co. stock. 
Chic, St. Paul, Minn. & Omaha R'y stock, 
Delaware & Hudson Canal Company stock, 
German-American Bank stock. 
Lake Shore & Michigan Southern R'y stock, 
National Park Bank stock, 
N. Y. Central & Hudson River R.R. stock, 



Market Vala«. 

$1,055,500 00 
45,000 00 
29,400 00 
82,750 00 
89,960 00 
31,000 00 
22,500 00 
11,300 00 
22,000 00 
21,000 00 
24,500 00 
11,000 GO 
21,750 00 
17,850 00 
23,200 00 
29,260 00 
19,200 00 
20,000 00 

6,650 00 
25,600 00 
66,500 00 
62,100 00 
40,776 00 
26,260 00 
19,840 00 
80,760 00 

1,000 00 
10,876 00 
16,6(X) 00 
82,800 00 
68,500 00 
96,600 00 
78,000 00 
90,000 00 
68,960 00 
69,000 00 
10,126 00 
90,000 00 
18.000 00 
66,200 00 



OERHANIA FIBE INSUBANCE CO. 



227 



PeDDsylvania Railroad stock, .... 
PaUmaD^s Palace Car Co. stock, 
Rome, Watertown & Ogdensburg R.R. stock, . 
Western Union Telegraph Company stock, . 



Par Vftlae. 

$51,000 00 
20,000 00 
60,000 00 
60,000 00 



]laifc«t Vftlae. 

•52,530 00 
80,000 00 
70,800 00 
41,600 00 



•2,300,475 00 f 2,658,905 00 



SCMMABT OF ASSETS DeC. 31, 1896. 



Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross). 

Rents, 

In hands of department managers, . 

Gross assets, 

Deduct special deposits in other States, . 



•616,312 63 

346,000 00 

7,084 99 

2,668,905 00 

3,044 54 

83,522 85 

2,500 00 

199.006 74 

4,683 97 

23,690 55 



•3,944,751 27 
76,600 00 



Balance, •3,868,151 27 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted. 



Total amount of losses, 
Less reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Interest due on mortgage. 
Commissions and brokerage, . 
Reinsurance disallowed^ . 



Gross liabilities, except capital. 
Deduct liability on special deposits. 

Surplus as regards policy holders, . 
Paid-up capital, . . . . 



Surplus over capital. 



131,777 09 
27,846 86 
12,455 00 

•72,078 95 
4,195 53 

•67,883 42 

1,314,673 24 

1,075 00 

28,493 46 

52.307 36 

•1,464,432 48 
16,296 50 



1,448,135 98 

•2,420,015 29 
1,000,000 00 

•1,420,015 29 



• Vftlae of Unds mortgftged, $240,260 00 

Vftlae of boildingft thereon, 419,600 00 

Amoaot of Ineanuice held •• eollftteral, .... 340,600 00 



228 



OERMANIA FIRE INSURANCE CO. 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

£ntire premiums collected. 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 
Interest received on mortgages, 



$190,734 67 
1,688,787 88 

$1,779,522 50 
200,239 70 

$1,579,282 80 
485,151 51 



Interest and dividends received from all other sources. 



$1,094,131 29 

14,787 88 

133,304 22 



Gross cash income, $1,242,222 89 



Expenditures. 

Cash paid for fire losses, (532,314 00 

Deduct salvage and reinsurance, ... 92,658 83 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

for general expenses, 



$439,655 17 

100,000 00 

178,668 39 

122,570 27 

27^38 87 

83,924 00 



Gross cash expenditures, . ' $952,356 70 



Fire risks outstanding Dec. 31, 1895, . 
Fire risks written during 1896, 



Risks and Premiums. 

Promlunu. 

$311,587,846 00 $2,676,307 86 
187,856,571 00 1,588,787 83 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force. 



$499,444,417 00 $4,265,095 69 
181,872,677 00 1,531,519 85 



$317,571,740 00 $2,733,575 84 
18,277,894 00 178,119 53 



$299,293,846 00 $2,555,456 31 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, , . . . 
Cash dividends declared from organization of company. 
Dividends declared during the year (10 per cent.). 
Company's stock owned by directors, I , . . 



$30,676,804 00 

. 15,365,840 00 

431,791 00 

. 2,801,000 00 

100,000 00 

188,950 00 



I 



GIRAiO) FIBB AND MARINE INSURANCE CO. 



229 



"GIRARD FIRE AND MARINE INSURANCE COMPANY,'^ 

PHILADELPHIA, PA. 

[laeorponted March, 1858. Oommaneed bntiiMM ICay, 1868.] 

Paid-up Capital, $300,000. 
ALFRED 3. GILLETT, Pruid^nt, EDWIN F. MERRILL, Secretary, 



Detailed Statement of Stocks and Bonds. 

Par Value. 

•72,000 00 
10,000 00 
10,000 00 
50,000 00 
25,000 00 

7,000 00 
15,000 GO 
10,000 00 
10,000 00 
70,000 00 
10,000 00 
15,000 00 

5,000 00 
15,000 00 

6,000 00 

2,000 00 
11,000 00 

5,000 00 
20,000 00 

2,250 00 
10,000 00 

8,000 00 

1,000 00 
12,000 00 

1,000 00 

4,000 00 
25,000 00 
20,000 00 



United States bonds, . 

LouisTille city bonds, 

St. Loais county bonds, . 

Seattle citj bonds, . 

Georgia State bonds, 

Minnesota school bonds, . 

Norfolk & Western Railroad Car Trust, 

Connecting Railroad bonds, 

Peonsylvania Railroad Company bonds, 

Fhila., Wilmington & Baltimore R.R. bonds, 

Pitts., Gin., Chic. & St. Louis R.R. Co. bonds, 

Pennsylvania Railroad Co. stock, 

Lehiffh Coal & Navigation Co. stock, 

Lehigh Valley R.R. stock, 

Delaware Railroad Company bonds, 

Phila. & Reading Railroad bonds, . 

Lehigh Coal & Navigation Company bonds, 

North Pennsylvania Railroad bonds, 

Lehigh Valley Railroad Company bonds, 

Philadelphia & Darby Pa^. Railroad Co , 

Zanesville & Ohio Railroad bonds, . 

Lower Merion Gas Company bonds, 

Holmesburg Water Company bonds, 

Hotchinson Water, Light and Power Co. bonds 

Philadelphia Boarse stock, 

Borough Ridley Park bonds, . 

Lynn & Boston R.R., .... 

Camden city bonds, 

Girard Fire and Marine Ins. Co., (36,652 00 



Market Value. 

$80,280 00 

11,800 00 

11,700 00 

53,000 00 

27,437 50 

7,105 00 

15,000 00 

11,200 00 

13,250 00 

72,100 00 

10,900 00 

15,525 00 

4,100 00 

9,225 00 

6,435 00 

645 00 

11,220 00 

6,100 00 

19,800 00 

1,485 00 

2,000 00 

8,166 67 

1,000 00 

6,000 00 

200 00 

4,100 00 

25,604 17 

20,466 66 



$451,250 00 $455,845 00 



Secnrities held as collateral (or cash loans : — 

Allegheny Valley R.R. Co. bond, , 

2(ote8 Becored by real estate, . . • . 



Market Value. Loaned Thereon. 

$1,250(0 $600 00 
29,500 00 16,000 00 



$30,750 00 $16,600 00 



230 



GIRARD FIRE AND MARINE INSURANCE CO. 



Summary of Assets Deo. 81, 1896. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross). 
All other admitted assets, .... 
Gross assets, • 



•328,844 35 

844,310 00 

17,939 64 

455,846 00 

16,600 00 

10,643 66 

147.730 32 

196 97 

114,526 21 

9,501 55 



$1,946,137 70 



Liabilities. 
Losses claimed and reported, .... $26,415 82 
Losses disputed or resisted, .... 7,987 50 

Total amount of losses, $34,403 32 

Less reinsurance, 240 50 

Net amount of unpaid losses, .... $34,162 82 

Unearned premiums on outstanding risks, . 385,808 43 

Reclaimable on perpetual fire policies, . . 574,499 93 

Due and accrued for rent, salaries, etc., . . 1,598 36 

State and local taxes 1^83 85 

Commissions and brokerage, .... 28,330 55 

Return premiums, 9,312 37 

Reinsurance, 3,012 82 

Reinsurance disallowed, 4,641 43 

Gross liabilities, except capital, . . 1,043,250 56 

Surplus as regards policy holders, $902387 14 

Paid-up capital 800,000 00 

Surplus over capital, . $602,887 14 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 

Entire premiums collected. 
Less reinsurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 



$130,849 56 
546.376 98 

$677,226 54 
114,526 21 

$562,700 33 
96,055 17 



$466,645 16 
46,886 07 



* Total value of property mortgaged, 
Amonot of insnranee held at collateral, 



$3,866,843 00 
301,800 00 



GLEK8 FALLS INSURANCE GO. 231 

Interest and dividends receired from all other sources, . . $25,763 89 

iDOome from rents, 5,757 58 

Assignments and surveys, 831 50 

Deposits received for perpetual fire risks, $80,612 02 

Gross cash income, $545,884 20 

Expenditures. 
Cash paid for fire losses, $182,387 46 

Deduct salvage and reinsurance, . . . 12,314 88 

Jset cash paid for fire losses, .... $170,072 58 

Cash dividends paid, -66,000 00 

Cash paid for commissions and brokerage, .... 97,160 75 

for salaries of officers and employees, . . . 59,292 09 

for State and local taxes, . . . . . 16,492 10 

for general expenses, 30,260 49 

Gross cash expenditures, $489,278 01 

Bisks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 

Total, ...... 

Deduct risks expired and terminated. 

Id force at end of year, . 
Deduct amount reinsured. 

Net amount in force, . 



Praninmi. 

$101,634,406 00 $1,379,329 88 
. 49,505,808 00 546,376 98 



$151,140,214 00 (1,925,706 36 
. 45,925,954 00 492.640 65 



$105,214,260 00 (1,433,065 71 
. 3,998,789 00 40,743 35 



(101,215,521 00 $1,392,322 36 



MiSOELLAMEOUS. 

Premiums received froxjl organization of company, . $12,270,067 00 

Losses paid from organization of company, .... 5,052,025 00 

Fire losses incurred during the year, 174,363 00 

Cash dividends declared from organization of company, . 1,791,196 00 

Dividends declared during the year (22 per cent), . . 66,000 00 

Company^s stock owned by directors, 35,300 00 



"GLENS FALLS INSURANCE COMPANY," GLENS FALLS, N. Y. 

[Incorporated May, 1840. Commenoed batinest ICay, 1860.J 

Paii>-up Cafttal, taoo,000. 

J. L. CUKNIK6HAM, President. R. A. LITTLE. Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Yalae. Market Valae. 

N. Y. Central & Hudson River R.R. bonds, . 1200,000 00 $232,000 00 
New York & Harlem Railroad bonds, . 100,000 00 111,000 00 

Lake Sliore & Michigan So. Railroad bonds, . 50,000 00 55,000 00 



232 



6LEN8 FALLS INSUBANCB GO. 



Syracuse, Bing. & New York Railroad bonds, 

Morris & Essex Railroad bonds, 

West Slvore Railroad bonds, 

Hudson River Pulp and Paper Co. bonds, 

Georgia State bonds, .... 

Richmond city bonds, .... 

First National Bank, Glens Falls, stock, . 

International Loan & Trust Company bonds, 

Gould Papev Company bonds, . 

German Trust Co., Davenport, la., bonds. 

Glens Falls Paper Mills Company bonds, 

Cleveland Trust Company stock, 

Mt. Kisco National Bank stock. 

Glens Falls National Bank stock, . 



Par Valae. 
$63,000 00 

50,000 00 

60,000 00 

300,000 00 

26,000 00 

11,000 00 

10,000 00 

147,260 79 

150,000 00 

125,000 00 

240,000 00 

6,000 00 

6,000 00 

2,600 00 



Markflt Valo*. 
•65,190 00 

68,500 00 

60,000 00 

800,000 00 

26,000 00 

10,280 00 

20,000 00 

147,260 79 

160,000 00 

126,000 00 

240,000 00 

6,000 00 

6,000 00 

6,000 00 



$1,623,760 79 $1,616,180 79 



Securities held as collateral for cash loans : — 
Morris & Essex Railroad bonds. 



Market Valoe. Loaned Tbereoo. 

$4,110 00 14,000 00 



Summary of Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, . $66,860 00 

Loans on mortgage of real estate (first liens), 938,708 81 

Interest due or accrued thereon, . . . 6,268 23 

Stocks and bonds, as per schedule, . . . 1,616,180 79 

Loans on collateral security, as per schedule, . 4,000 00 

Cash in the office of the company, . . . 7,679 88 

Cash deposited in bank, 161,454 47 

Interest due and accrued, . . . . 14,711 22 

Premiums in course of collection (gross), . 82,046 39 

Rents, 160 00 

Bills receivable, 1,647 10 

Prem^s more than three mos. due, $2,263 59 

Gross assets,* $2,888,595 89 

Deduct special deposits in other States, 85,230 00 

Balance, 12,853,365 89 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted. 

Total amount of losses, . 
Less reinsurance. 

Net amount of unpaid losses. 



$12,818 49 

20,374 00 

6,659 26 

139,761 74 
4,651 06 

135,200 68 



* Including $200,000 special deposit held under New York law. 



OLENS FALLS INSURANCE CO. 



233 



Unearned preminms on oatstanding risks. 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Reinsurance disallowed, .... 



•928,110 49 
10,000 00 
12,624 63 

. 9,566 94 



Gross liabilities, except capital, 
Deduct liability on special deposits. 



$995,502 74 
8,839 42 



•986,663 32 



Surplus as regards policy holders, $1,866,702 67 

Paid-up capital, 200,000 00 



Surplus over capital, . . $1,666,702 57 



Incomis. 

Fire premiums outstanding Dec. 31, 1895, 
Same not collected, 



Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected. 
Less reinsurance and return premiums, . 
Net cash fire premiums receiyed. 
Interest received on mortgages. 



$90,601 00 
1,684 86 

$88,916 14 
1,028,241 74 

$1,117,167 88 
84,298 98 



. 11,032,858 90 
164,689 35 



Interest and dividends received from all other sources, . 
Income from rents, 



(878,169 55 

53,652 60 

91,627 75 

1,698 01 



Gross cash income $1,025,142 91 



Expenditures. 

Cash paid for fire losses, $404,575 33 

Deduct salvage and reinsurance, . . . 25,053 1 1 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for general expenses, 



$379,522 22 
40,000 00 
175,065 35 
63,182 84 
41,713 16 
65,362 64 



Gross cash expenditures, (764,846 21 



234 



GLOBE FIRE INSURANCE GO. 



Risks and Premiums. 

PremlmiM. 

Fire risks outstanding Dec. SI, 1895, . 1158,314,227 00 •1,724,175 15 
Fire risks written during 1896, . 93,742,886 00 1,028,241 74 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, . 



$252,057,113 00 12,752,416 89 
81,298,483 00 884,211 05 



1170,758,630 00 11^68,205 84 
7,214,088 00 98,789 49 



$163,544,542 00 $1,769,416 35 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent), 
Company^s stock owned by directors, .... 



$15,171,107 00 

. 7,392,884 00 

406,%7 00 

680,000 00 

40,000 00 

75,040 00 



"GLOBE FIRE INSURANCE COMPANY," NEW YORK. 

[Incorporated March, 1868. Commenced bntinecs March, 1868.] 

Paid-up Capital, $200,000. 

B. O. JAMESON, President, WM. VALENTINB, Secretary. 



Detailed Statement of Stocks 



United States bonds. 

New York City dock bonds. 

District of Columbia bonds, 

Broadway & Seventh Avenue R.R. bonds 

Chicago & Erie R.R. bonds, 

Brooklyn city bonds, 

Wabash R.R. bonds, .... 

Oregon Short Line R^y bonds, . 

400 shares New York & Harlem R.R., 

100 

100 

250 

100 

100 



Delaware & Hudson Canal Co., 
N. Y. Cent. & Hudson River R.R., 
Consolidated Gas Co., New York, 
Chicago & Northwestern R.R., 
Brooklyn Union Gas Co., 



AND Bonds. 

Par Valne. 

1168,000 00 
26,000 00 
25,000 00 
5,000 00 
10,000 00 
20,000 00 
10,000 00 
10,000 00 
20,000 00 
10,000 00 
10,000 00 
25,000 00 
10,000 00 
10,000 00 



Market Valne. 

$186,775 00 
26,000 00 
27,500 00 

5,850 00 
11,000 00 
20,560 00 
10,600 00 
11,100 OO 
69,000 00 
11.600 00 

9,800 OO 
34,750 00 
10,200 00 

8,500 00 



•859,000 00 $432,735 00 



GLOBE FIRE mSURANCE CO. 235 



Summary of Assets Dec. 81, 1896. 

Loans on mortgage of real estate (first liens *), t48,000 00 

Interest due or accrued thereon, . . . 202 07 

Stocks and bonds, as per schedalOt . . 432,735 00 

Cash in the office of the company, . . 156 47 

Cash deposited in bank, 27,721 48 

Preminms in course of collection (gross), . 165,514 64 

Gross assets, 1674,329 66 

LlABILinES. 

Losses adjusted, unpaid, 134,169 00 

claimed and reported, .... 42,489 00 

disputed or resisted, .... 5,400 00 

Unearned premiums on outstanding risks, . 301,514 96 

Commissions and brokerage, .... 45,978 07 

Return premiums, 1,048 36 

Reinsurance, 2,075 07 

Gross liabilities, except capital, . . 432,624 46 

Surplus as regards policy holders, 1241,705 20 

Paid-up capital, 200,000 00 

Surplus oyer capital, 141,705 26 

Income. 

Fire premiums outstanding Dec. 31, 1895, $60,676 29 

Premiums on risks written or renewed, . . 747,190 07 



Total, 1807,866 36 

Premiums now in course of collection, . . 165,514 64 



Entire premiums collected, .... 1642,851 72 
Less reinsurance and return premiums, . . 150,044 66 

Net cash fire premiums received, . . . f 492,807 06 

Interest receiyed on mortgages, 1,605 00 

Interest and diyidends received from all other sources, . . 15,339 40 



Gross cash income, 1509,251 46 

Expenditures. 
Cash paid for fire losses, (205,109 35 

Deduct salvage and reinsurance, . . 15,381 46 

Net cash paid for fire losses, .... $189,727 89 

Cash paid for commissions and brokerage, .... 150,305 42 

for salaries of officers and employees, . . . 3,550 00 

for State and local taxes, 5,270 43 

for general expenses, 1,068 68 

Gross cash expenditures, (349,922 42 

• Valn« of Unds mortfagvd, i $S2,000 00 

Value of bnildiogt Uiereon, 46,000 00 

Affloant of tDsnntneo held at eollatand, .... 44,600 00 



236 



GRANITE STATE FIRE INSURANOE CO. 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



. #24,471,912 00 
. 65,542,850 00 



$90,014,762 00 
35,275,450 00 

•54,739,312 00 
191,250 00 



Premloms. 

1244,040 00 
747,190 07 

1991,230 07 
395,893 23 

1595,336 84 
1,928 67 



. $54,548,062 00 $593,408 17 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company. 
Company's stock owned by directors, .... 



$3,365,462 00 

1,641,502 00 

240,470 00 

630,000 00 

80,550 00 



"GRANITE STATE FIRE INSURANCE COMPANY," 

PORTSMOUTH, N. H. 

[Incorporated July 17, 188fi. Commenced business Nov. 12, 1885.] 

Paid-up Capital, $200,000. 
FRANK JONES, PreBident. ALFRED F. HOWARD, Secretary. 



Detailed Statement of Stocks 



City of Manchester, N. H., bonds, . 
County of Hlllsboro, N. H., bonds, . 
Town of Harrisville, N. H., bonds, . 
Palouse City, Wash., water bonds, . 
St. Cloud Gas and Electric Co. bonds, 
Nashua Card and Glazed Paper Co. bonds. 
Front St. Cable R'y Co., Seattle, Wash., bonds 
Eastman Freight Car Heater Co. bonds, . 
Fort Plain, N. Y., Water Co. bonds, 
Nat'l Loan and Trust Co., Kan. City, Mo., b'ds 
New Hampshire Trust Co. bonds, . 
Chippewa Falls Water Works Co. bonds, 
Columbia County, Wash., bonds, 
123 shares Boston & Maine Railroad, 
Tacoma Traction Co. bonds, . 
1 share Worcester, Nashua & Roch^ter R.R. 

60 shares Wolf boro' Loan and Banking Co., 
133 " Dover Gas Light Co., 

60 " Intern^ L. & T. Co., Kan. City, Mo., 



AND Bonds. 

Par Valae. 
• 100,000 00 

10.000 00 

16,000 00 

4,800 00 

10,000 00 

6,000 00 

12,000 00 

26,000 00 

10,000 00 

2,600 00 

10,800 00 

9,000 00 

6,000 00 

12,300 00 

2,361 90 

100 00 

6,000 00 

3,326 00 

6,000 00 



Market ValM. 
•106,000 00 

10,850 00 

16,060 CO 

6,620 00 

10,000 00 

6,000 00 

12.000 00 

26,000 00 

10,000 00 

2,600 00 

8,640 00 

9,000 00 

7,200 00 

20,049 00 

2,361 90 

125 00 

6,250 00 

3,691 00 

8,000 00 



$249,186 90 1263,136 90 



GRANITE 8TATB FIRE INSURANCE CO. 



287 



Secarities held as collateral for cash loans : — 

40 shares Indian Head N'l B% Nashua, N. H., 
Portsmouth, Gt. Falls & Conway R R bonds, 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross). 
Due for rents, . . ... 

Due for reinsurance on losses, . 

Gross assets, 



Market ValoA. Loaned Thereon. 

13,335 00 ? 
1,160 00 S 



•4,000 00 



31, 1896. 



$26,300 00 

88,680 00 

618 10 

263,136 90 

4,000 00 

2,613 66 

67,027 01 

1,907 76 

42,910 00 

406 91 

230 62 



$436^29 86 



LlABILITIBS. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 



Total amount of losses, 
rejnsnrance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Commissions and brokerage, . 

Return premiums, 

Reinsurance 

Gross liabilities, except capital, 

Surplus as regards policy holders, . 
Paid-up capital, 



•13,249 06 
8,026 72 
3,600 00 

$24,776 78 
3,430 41 

$21,346 37 

161,610 62 

6,148 37 

2,078 01 

4,899 17 



194,981 64 

$241,648 31 
200,000 00 



Surplus over capital, $41,648 31 



Incomb. 

Fire premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash fire premiums received. 



$60,601 83 
409,873 81 

$460,476 64 
42.910 00 

(417,666 64 
94,660 88 



$322,904 76 



* VaToe of landa raortgafed, . 

Value of buildings thereon, 
Amount of inaorance held as oollateral. 



$62,476 00 
41,426 00 
80,826 00 



238 



THE GREENWICH INSUBANCE CO. 



Interest received on mortgages, . . 

Interest and dividends received from all other sources, . 

Income from rents, 



$3,U6 44 

11,908 32 

410 S4 



Gross cash income, 1338,369 86 



Expenditures. 

Cash paid for fire losses, $229,677 10 

Deduct salvage and reinsurance, . . 45,976 39 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

for general expenses, 



•183,700 71 

12,000 00 

56,919 23 

9,250 OO 

6.059 80 

25,351 86 



Gross cash expenditures, $293,281 10 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, 



. $37,614,888 00 
. 29,584,217 00 



Preminm*. 

$446,631 03 
409,873 81 

$856,504 84 
406,820 82 

$449,684 02 
140,280 92 

. $26,554,121 00 $309,403 10 



$67,199,105 00 
30,271,556 00 

$36,927,849 00 
10,373,728 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company. 
Dividends declared during the year (6 per cent.), . 
Company *s stock owned by directors, .... 



$5,215,804 00 

2,350,323 00 

179,974 00 

84,000 00 

12,000 00 

125,100 00 



"THE GREENWICH INSURANCE COMPANY," NEW YORK, N. Y. 

[Idcorporated May 5, 1884. Oommeooed baflneM Jan. 1, 1885.] 

Paid-up Capital, $200,000. 

MASON A. STONE, Ptttident, WAXTBR B. WARD, Ai^t Stcrttary, 



Detailed Statement of Stocks and Bonds. 

Par Valoe. 

United States government bonds, . . (46,500 00 

District of Columbia bonds, .... 125,000 00 
Harlem River & Port Chester R.R. bonds, . 10,000 00 



Maitet Value. 

$51,382 50 

136,875 00 

11,000 00 



THE GREENWICH INSURANCE CO. 



239 



N. Y. Central & Hudson River R.R. bonds, 
Albany & Susquehanna Railroad bonds, . 
The Oswego & Syracuse Railroad bonds, 
Bufialo & Erie Railroad bonds. 
State of Georgia bonds, .... 
Rome, Watertown & Ogdensburg R.R. bonds 
Consolidated Gas Company of N. Y. stock, 
Rensselaer & Saratoga Railroad Co. stock, 
The Valley Railroad stock. 
National Broadway Bank stock, 
Delaware & Hudson Canal Co. stock. 
New York, Lack. & Western R.R. stock, . 
Chicago & Northwestern R^y Co. stock, . 



Par Value. 

160,000 00 

80,000 00 

63,000 00 

9,500 00 

25,000 00 

6,000 00 

100,000 00 
60,000 00 
36,000 00 
17,500 00 
60,000 00 
26,000 00 
30,000 00 



Markat Valne. 

(69,900 00 

93,600 00 

67,240 00 

9.975 00 

25.000 00 

5,926 00 

138,750 00 

108,000 00 

39,200 00 

39,375 00 

69,600 00 

29,500 00 

46,600 00 



Securities held as collateral for cash loans : 
10 shares Canada Southern Railway Co., 



$741,500 00 $930,922 60 



Market Value. 
$450 00 



Loaned Thereon. 

$400 00 



Summary of Assets Dec. 31, 1896. 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Prem*s more than three mos. due, $12,160 03 

Gross assets, 

Deduct special deposits in other States, . 



$200,000 00 

930,922 60 

400 00 

10,053 82 

58,497 97 

154,930 82 

24,411 46 



$1,379,216 67 
86.050 00 



Balance, $1,348,166 57 



LlABILTTIBS. 



Losses adjusted, unpaid, . • 
claimed and reported, . 
disputed or resisted. 

Total amount of losses, . 
Less reinsurance. 



Net amount of unpaid losses, ... 
Unearned premiums on outstanding risks, 
Reclainiable on perpetual fire policies, . 
State and local taxes, .... 
Commissions and brokerage, . 



$8^216 34 

161,218 98 

32,856 86 

$192,292 18 
16337 44 

$176,464 74 

689,014 82 

981 60 

2,500 00 

24,000 00 



240 THE ORBENWIOH mSUBANCE CO. 

Return premiums, etc., 11,708 15 

Reinsurance disallowed, 14,201 53 

Gross liabilities, except capital, . . 1908,805 74 
Deduct liability on special deposits, . . 32,286 09 

$876,619 66 

Surplus as regards policy holders, 1466,646 92 

Paid-up capital, 200,000 00 

Surplus over capital, 1266,646 92 

Income. 

Fire premiums outstanding Dec. 31, 1895, . $201,508 92 
Same not collected, 1,429 86 

Net collected, $200,079 06 

Premiums on risks written or renewed, . . 1,051,739 50 

Total, $1,251^18 56 

Ehremiums now in course of collection, . . 159,879 13 

Entire premiums collected, .... $1,091,939 43 
Less reinsurance and return premiums, . . 209,493 79 

Net cash fire premiums received, . . . 1 — $882,445 64 

Marine premiums outstanding Dec. 31, 1895, . $4,273 59 
Same not collected, 572 26 

Net collected, $3,701 33 

Premiums on risks written or renewed, . . 138,469 33 

Total, $142,170 66 

Premiums now in course of collection, . . 7,211 72 

Entire premiums collected, .... $134,958 94 
Less reinsurance and return premiums, . . 17,613 07 

Net cash marine premiums received, . . 117,345 87 

Interest received on mortgages, 84 46 

Interest and dividends received from all other sources, . . 44,764 77 

Income from rents, 17,030 06 

Gross cash income, $1,061,620 80 

Expenditures. 

Cash paid for fire losses, $537,429 46 

Deduct salvage and reinsurance, . • . 43,743 27 

Net cash paid for fire losses, .... $493,686 19 

Cash paid for marine and inland losses, . . $148,693 20 

Deduct salvage and reinsurance, . . . 33,688 25 

Net cash paid for marine and inland losses, . 115,004 95 



THE GREEMWICH INStTRAyCE CO. 



241 



Cash dividends paid, 

Cash paid for oomniissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 



♦20,000 00 

184,615 17 

109,994 89 

15,919 15 

85,719 48 



Gross cash expenditures, 91,024,939 83 



Bisks and Premiums. 

Premiuini. 

Fire risks ontstanding Dec. 31, 1895, . 9240,820,993 00 91.501,445 44 
Fire risks wiitten during 1896, . . . 138,687,495 00 1,051,739 50 



Total 

Deduct risks expired and terminated. 



In force at end of year, , 
Deduct amount reinsured. 



Net amount in force. 

Marine risks outstanding Dec. 31, 1895, 
Mariae risks written during 1896, . 

Total, 

Deduct risks expired and terminated. 



In force at end of year, , 
Deduct amount reinsured. 

Net amount in force. 



9379,508,488 00 92,553,184 94 
. 144,948,055 00 1,120,971 85 



9234,560,433 00 91,432,213 09 
. 18,657,190 00 112,727 24 



9215,903,243 00 91,319,485 85 

. 92,558,971 00 981,338 18 
. 41,585,496 00 188,469 33 



.944,144,467 00 9219,807 51 
. 42,145,979 00 153,956 86 



91,998,488 00 965,850 65 
104,600 00 4,079 88 



. 91,893,888 00 961,770 77 



MiSCBLLANEOUS. 

Premiums received from organization of company, • 
Losses paid from organization of company, . . . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year. 
Cash dividends declared from organization of company. 
Dividends declared during the year (10 per cent.). 
Company's stock owned by directors, .... 



917,264,469 00 
10,720,122 00 
494,066 00 
98,992 00 
2,108,000 00 
20,000 00 
77,875 00 



242 



HANOYEB FIRE IN8UBANCE CO. 



"HANOVER FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[iDoorponUed April, 1862. (Jommeoced biulD«M April, 1853 j 

Paiivup Capital, $1,000,000. 

I. RBM8BN LANS, JPteHdent, CHARLES L. ROB, Secretary. 






Detailed Statement of Stocks 



United States bonds, .... 
State of Georgia bonds, . 
City of Richmond, Va., bonds, . 
Kansas Pacific Railway Co. bond^, . 
Flint & P^re Marquette R.R. bonds, 
Cincinnati & Springfield Railway bonds. 
Central Railroad Co. of New Jersey bonds, 
Milwaukee and Northern Railroad bonds, 
Chicago, Milwaukee & St. Paul R^y bonds, 
Louisville, New Albany & Chicago R^y bonds 
Pennsylvania Company bonds, 
Flint & P^re Marquette R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
N. Y., New Haven & Hart. R.R. certificates, 
Cin., Indianapolis, St. lx)uis & Chic. R^y bonds 
Brooklyn City R R. bonds, 
Lehigh Valley Terminal Co bonds, 
Chicago, Rock Island & Pacific Ry bonds. 
New York city water stock. 
New York city bonds, .... 

100 shares Rensselaer & Sarato<r& Railroad 

340 

220 

210 

500 
1,000 

200 

850 

19L 

500 

400 
1,600 

250 

500 

100 

220 

250 
75 

150 
86 



t« 



tc 



«l 



»l 



II 



It 



II 



M 



II 



II 



U 



II 



II 



II 



II 



II 



It 



II 



Rome, Waterfn & Ogdensb. R R. 
Chicago, Burl. & Quint-y R.R., 
Chic, Rock Island & Pacific R'y 
Chicago & Northwestern R'y, 
N. Y. Cent & Hudson River R R. 
St. Paul, Minn. & Manitoba R'y 
Chicago & Northwestern R'y, 
Syracuse, Bing. ^ N. Y. R R , 
Cleve.,Cin., Chic. & St. Louis R'y 
Lake Shore & Mich. South. R^y, 
Pennsylvania Railroad Co , . 
Chic , Milwaukee & St. Paul R'y 
Beech Creek RaiU*oad Co., . 
Chicago & Alton Railroad, . 
Illinois Central Railroad, 
IMttsb^gh, F'l Wayne & Chi. R.R. 
Metropolitan National Bank, 
American Exchange Nat'l Bank 
Western NalU Bank, New York 



AND Bonds. 

Par Value. 

183,000 00 
25,000 00 
50,000 00 
50,000 00 
80,000 00 
19,000 00 
75,000 00 
5,000 00 
20,000 00 
15,000 00 
86,000 00 
80,000 00 
25.000 00 
50,000 00 
25,000 00 
25,000 00 
20,000 00 
20,000 00 

160,000 00 

175,000 00 
10,000 00 
84,000 00 
22,000 00 
21,000 00 
50,000 00 

100,000 00 
20,000 00 
35,000 00 
19,100 00 
50,000 00 
40,000 00 
80,000 00 
25,000 00 
25,000 00 
10,000 00 
22,000 00 
25,000 00 
7,500 00 
15,000 00 
8,600 00 



Market Value. 

f 90,022 50 
27,550 00 
53,750 00 
88,000 00 
84300 00 
20,912 50 
88375 00 
5350 00 
22,200 00 
12,000 00 
89,960 00 
25,500 00 
24,500 00 
68,250 00 
24,250 00 
28,750 00 
21,950 00 
20,925 00 
155,600 00 
168,250 00 
18,100 00 
40,120 00 
15,372 50 
13,807 50 
51,000 00 
94,000 00 
23,200 00 
53,200 00 
81,615 00 
87,000 00 
60,800 00 
83,000 00 
82,750 00 
25,000 00 
16,400 00 
20,900 00 
40,000 00 
75 00 
25,950 00 
4,212 00 



HANOVER FIRE INSURANCE CO. 243 

Par Yalae. Market Valne. 

75 shares The Bank of America, . . 97,500 00 |24,7d0 00 

1,000 " Consolidated Gas Co., New York, 100,000 00 140,600 00 

650 •* Western Union Telegraph Co., . 55,000 00 45,787 50 

»l,714,700 00 f 1,864,334 60 

Secarittes held as collateral for cash loans : — 

Market Yalae. Loaned Thereon. 

Brooklyn City Railroad bonds,. . . 91,150 OOn 

Flint & P^rc Marquette Railroad bonds, . 1,700 00 ^ 94,000 00 

20 shares Western Union Telegraph Co , . 1,666 00 ) 



Summary of Assets Dec 31, 1896. 

Cash valae of unencumbered real estate, . 9^50,000 00 

Loans on mortgage of real estate (first liens *), 7,000 00 

Interest due or accrued thereon, ... 29 16 

Stocks and bonds, as per schedule, . . . 1,864,384 50 

Loans on collateral security, as per schedule, . 4,000 00 

Cash in the office of the company, . . . 62,944 80 

Cash deposited in bank, 20,191 66 

Interest due and accrued, 12,940 00 

Premiums in course of collection (gross), 170,989 66 

Rents due and accrued, 1,127 50 

Reinsurance due, 2,244 77 

Prem's more than three mos. due, . 96,623 90 

Gross assets 92,696,801 86 

Deduct special deposits in other States, 80,012 60 

Balance, 92,516,789 35 

Liabilities. 
Losses adjusted, unpaid, 967,060 61 

claimed and reported, .... 61,738 35 

disputed or resisted, .... 18,882 33 

Total amount of losses, 9147,676 19 

Less reinsurance, 2,764 82 

Net amount of unpaid losses, . . 9144,921 37 

Unearned premiums on outstanding risks, . I,140,d98 23 
Commissions and brokerage, .... 29,625 04 

Gross liabilities, except capital, . . 91*314,544 64 

Deduct liability on special deposits, . 36,531 93 

1.278,012 71 

Surplus as regards policy holders, 91,237,776 64 

Paid-up capital, 1,000,000 00 

Surplus oyer capital, 9237,776 64 

• Value of lands mortgaged, $11,000 00 

Valae of balldloga Uiereon, 7,000 00 

Amoant of loanraooe held ai collateral, .... 7,000 00 



244 



HANOVER FIRE INSURANCE CO. 



Incoms. 

Fire premiums outstanding Dec. 81, 1895, • 9193^74 10 
Same not collected, 12,187 54 

Net collected 9181,186 56 

Premiums on risks written or renewed, . • 1,791,511 50 

Total, 91,973,698 06 

Premiums now in course of collection, . . 177^13 46 

Entire premiums collected, .... 91«795,184 60 
Less reinsurance and return premiums, . . 280,814 48 

Net cash fire premiums receired, . . . 91*514^70 12 

Interest received on mortgages, 704 10 

Interest and dividends receiyed from all other sources, . • 80,474 39 
Income from rents, 14,471 57 

Gross cash income, 91,610^20 18 

Expenditures. 

Cash paid for fire losses, 9920,514 20 

Deduct salvage and reinsurance, • . . 64,322 07 

Net cash paid for fire losses, .... 9856,192 IS 

Cash dividends paid, ........ 70,000 00 

Cash paid for commissions and brokerage, .... 274,141 53 

for salaries of oflScers and employees, . . . 143,058 09 

for State and local taxes, 37,780 60 

for rent and incidentals, 127,711 73 

Gross cash expenditures, 91f508#884 08 



Risks and Premiums. 

PlCWllllllt* 

Fire Hsks outstanding Deo. 31, 1895, . 9202,367,342 00 92^16,116 98 
Fire risks written during 1896, . . . 152,750,333 00 1,791,511 50 



Total, . • • • . 
Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured, 



9355,117,675 00 94,107,628 48 
150,364^47 00 1,770,253 85 



9204,753,128 00 92,337,375 IS 
. 11,269,261 00 180,270 61 



Net amount in force, . 



9198,488367 00 98,207,104 62 



HARTFORD FIRE INSURANCE GO. 



245 



M1SCELLANEOC8. 

Premiams received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash diyidends declared from organization of company, 
Dividends declared during the year (7 per cent.), . 
Company's stock owned by directors, .... 



•30,381,611 GO 
. 17,164,315 00 
814,638 00 
. 2,549,600 00 
70,000 00 
. 161,750 00 



" HARTFORD FIRE INSURANCE COMPANY,'' HARTFORD, CONN. 

[Inoozporatod May, 1810. Commeiioed bndneM Aognst, 1810.] 

Paid-up Capitai^ |1,SM»000. 

OSORaS L. CHASE, PreHdent. P. 0. ROYCB, S€cretary. 



316 shares 


300 


M 


200 


U 


166 


M 


100 


W 


274 


M 


122 


M 


173 


M 


656 


n 


160 


M 


40 


u 


467 


«« 


100 


u 


200 


M 


150 


tt 


100 


M 


300 


M 


200 


M 


334 


«S 


225 


M 


100 


U 


89 


M 


70 


M 


125 


U 


100 


M 


24 


M 


82 


M 


109 


M 


50 


M 



Dktailed Statement of Stooks 



J5tna National Bank, Hartford, 
American Nat'l Bank, Hartford, 
Charter Oak Nat'l B'k, Hartford 
City Bank, Hartford, . 
Conn. River B'k'g Co , Hartford, 
Conn. Tnist and Safe Dep. Co., Ht 
Farm. & Mech. N'l B'k, Hartford 
First National Bank, Hartford, 
Hartford Natl Bank, Hartford, 
Mercantile Nat'l Bank, Hartford 
Nat'l Exchange Bank, Hartford, 
PbcBnix National Bank, Hartford 
State Bank, Hartford, • 
American £x. NatU Bank, N. Y., 
Bank of America, New York, 
Bank of North America, N. Y., 
Imp. and Traders' N'l B'k, N. Y. 
Manhattan Co. Bank, New York 
Merchants' National Bank, N. Y. 
Metropolitan Nat'l Bank, N. Y., 
National B% of Commerce, N. Y. 
Atlantic National Bank, Boston, 
Blackstone Natl Bank, Boston, 
Boylston National Bank, Boston, 
First National Bank, Boston, 
Hide & Leather Nl Bank, Boston 
Natl B^k of Commerce, Boston, 
Second National Bank, Boston, 
First National Bank, Albany, 



AND Bonds. 

ParValttt. 

$31,500 00 
16,000 00 
20,000 00 
16.600 00 

3.000 00 
27,400 00 
12,200 00 
17,200 00 
65,600 00 
15,000 00 

2,000 00 
46,700 00 
10,000 00 
20,000 00 
15,000 00 

7,000 00 
30,000 00 
10,000 00 
16,700 00 
22,500 00 
10.000 00 

3,900 00 

7,000 00 
12,500 00 
10,000 00 

2,400 00 

3,200 00 
10,900 00 

5,000 00 



ICarket Value. 

•45,675 00 
25,600 00 
20,000 00 
17,430 00 

4,500 00 
45,210 00 
14,030 00 
19,264 00 
78,962 00 
13.500 00 

2,600 00 
58,375 00 
11,000 00 
34,600 00 
48,000 00 

9,100 00 

162,000 00 

21,000 00 

22,545 00 

1,500 00 
20,300 00 

4,290 00 

6,090 00 
15,625 00 
23,500 00 

2,616 00 

3,616 00 
19,620 00 

8,000 00 



246 



HARTFORD FIBE INSURANCE GO. 



«t 



150 shares Bank of Montreal, Montreal, 

710 

770 
1,060 

220 
1,000 

120 
20 

600 
1,876 

600 

200 

500 



t( 



u 



u 



ct 



(t 



It 



CI 



tt 



t( 



u 



u 



«c 



Ontario Bank, BowraanTille, 
Chicago, Burl. & Quiney R R., 
Chic , Milwaukee & St. Paul R.R., 
Chicago & Northwestern R R., . 
Chic, Rock Island & Pacific R.R., 
Conn. & Passumpsic Rivers R R., 
Connecticut Riyer Company, 
Connecticut River Railroad Co., 
N. Y.Cent & Hudson River R.R. 
N. Y., N. H. & Hartford R.R., 
Northwest Telegraph Company, 
Union Pacific Railroad Company 
N. Y., Lack. & Western R.R., 
Albany & Susquehanna Railroad bonds, . 
Alabama State bonds, .... 
Brooklyn Wharf and Warehouse Co. bonds, 
Baltimore & Ohio Railroad certificates, . 
Baltimore Belt Railroad bonds, 
Canadian Pacific Railroad bonds, 
Chicago & Western Indiana Railroad bonds, 
Chicago & Northwestern Railroad bonds, 
Chicago, Burlington & Quiney R.R. bonds, 
Chicago & Great Western Railroad bonds, 
Chicago, Milwaukee & St. Paul bonds, . 
Chicago & Erie Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds. 
City of Ind. Belt R.R. and Stock Yards bonds, 
Cincinnati, Ind., St Louis & Chic. R.R. bonds 
Cincinnati, Hamilton & Dayton R.R. bonds, 
Cleveland, Columbus, Cin. & Ind. R.R. bonds 
Connecticut River Railroad bonds, . 
Central Railroad of New Jersey bonds, . 
Dayton & Michigan Railroad bonds, 
Detroit, Lansing & Northern Railroad bonds, 
Easton & Amboy Railroad bonds, . 
Georgia State bonds, .... 
Harlem ttiver & Port Chester Railroad bonds 
Hartford Street Railway Co. bonds, . 
Housatonic R.R. rolling stock certificates, 
Indiannj^lis & Vincennes Railroad bonds, 
Iowa Falls & Sioux City Railroad bonds, 
Jefferson Railroad bonds. 
Lake Shore <& Michigan Southern R.R. bonds 
Lehigh Valley Railroad bonds, 
Lou. & Frankf t & Lex & Frankf t R.R. bonds 
Minneapolis Union Railroad bonds, . 
Milwaukee & St. Paul Railroad bonds, . 



Par Yaloe. 

130,000 00 

4,333 33 

71,000 00 

77,000 00 

105,000 00 
22,000 00 

100,000 00 

12,000 00 

2,000 00 

60,000 00 

187,600 00 
25.000 00 
20,000 00 
60,000 00 
60,000 00 
10,000 00 

150,000 00 

100,000 00 

100,000 00 
48,666 00 

320,000 00 

147,000 00 
61,600 00 
41,000 00 

100,000 00 

100,000 00 
60,000 00 
74,000 00 

120,000 00 

55,000 00 

68,000 00 

1,000 00 

160,000 00 
60,000 00 
60,000 00 

160,000 00 
25,000 00 
50,000 00 

100,000 00 

100,000 00 
32,000 00 

100,000 00 
60,000 00 

110,000 00 

250,000 00 
92,000 00 
60,000 00 
63,000 00 



Market Valve. 

968,400 00 

3,380 00 

60,410 OO 

78,040 OO 

116,700 OO 
14,520 00 

105,000 00 

8,000 00 

4,900 00 

47,000 OO 

837,600 00 
28,750 OO 
1,800 00 
66,500 00 
61,600 00 
10,400 00 

160,000 00 

100,500 00 
92,000 00 
67,750 00 

365,900 GO 

160,580 00 
61,500 00 
43,050 00 

127,000 00 

110,000 CO 
62,000 00 
87,820 00 

140,400 00 

66,000 10 

64,720 00 

1,000 00 

177,000 00 
64,200 00 
82,600 00 

165,000 00 
26,000 00 
68,000 00 

102,000 00 

104,000 00 
87,760 00 

126,000 00 
62,250 00 

133,100 00 

281,000 00 
94,760 00 
61,000 00 
66,160 00 



HARTFOBD :F1B£ INSUBAMCE GO. 



247 



Montreal Corporation bonds, . . . . 

MiDoesota State warrants, . . . . 

Milwaukee, Lake Shore & Western R.R bonds, 

Nashville and Decatur sinking fund bonds, . 

New Brunswick, N. J., city bonds, . 

Northern Pacific Railroad bonds, 

N. Y. Central & Hudson River Railroad bonds. 

New York & New England Railroad bonds, . 

N.Y., New Haven & Hautford R.R. certificates, 

Pittsburgh, CiLcinnati & St Louis R.R. bonds, 

Philadelphia & Reading Railroad bonds, 

Richmond, Va , city bonds, 

St Paul & Northern Pacific Railroad bonds, 

St. Louis & San Francisco Railroad bonds, 

Topeka, Kansas, internal imp. sewer bonds. 

West Shore Railroad bonds, . 



Par Value. 

•62,500 00 
42,200 00 
60,000 00 
60,000 00 
20,000 00 
69,000 00 
60,000 00 
60,000 00 
76,000 00 

100,000 00 
76,000 00 
62300 00 
86,000 00 
60,000 00 
16,000 00 

100,000 00 



Maitet Valgs. 
162,600 00 

88,249 00 
66,000 00 
66,000 00 
20,400 00 
68,440 00 
62,600 00 
69,000 00 

101,250 00 

110,000 00 
81,760 00 
62,600 00 

107,600 00 
56,600 00 
16,000 00 

106,000 00 



$6,169,699 S3 96,049,267 00 



Securities held as collateral for cash loans : — 

37 shares ^tna Fire Insurance Co:, . 

So " Chicago & Northwestern R.R. Co., . 

64 ^ Billings & Spencer Co., . 



Mark«t Value. 

•9,620 00 
4,600 00 
2,660 00 



Loaned Thereon. 

•6,000 00 
3,800 00 
1,000 00 



•16,680 00 tl0«800 00 



SCMHART OF ASSRTS DeC. 31, 1896. 



Cash valnc of unencumbered real estate. 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash deposited in bank, .... 
Premiums in course of collection (gross). 

Rents due, 

Gross assets, 

Deduct special deposits in other States,. . 



•469,676 00 

1,375,600 00 

25,181 93 

6,049,267 00 

10,800 00 

991,914 44 

1,200,243 34 

845 63 



110,113,327 24 
389,434 00 



Balance, 99,723,893 24 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted. 
Unearned premiums on outstanding risks. 



•112,183 40 

839,667 03 

72,798 13 

4,845,820 67 



• Value of lAods mortsaged, . $1,050,000 00 

Vahie of bnlldlnga thereon, , . 2,262,075 00 

Amoook of inaanuiCD held aa collateral, .... 780,278 00 



248 HABTFOBD FIRE IKSUBANGE CO. 

Commissions and brokerage, • . . . 9180,036 50 
Reinsurance disallowed, 769 26 



Gross liabilities, except capital, . . f 5,551, 274 89 

Deduct liability on special deposits, . . 186,710 

15,864,664 80 



Surplus as regards policy holders, $4,359,828 94 

Paid-up capital, 1,250,000 00 

Surplus over capiul, 13,109,328 94 

Ikoome. 

Fire premiums outstanding Dec. 31, 1895, . $1,115,018 01 
Same not collected, 1,988 91 



Net collected, 91,113,029 10 

Premiums on risks written or renewed, • . 7,186,052 32 



Total 98,299,081 42 

Premiums now in course of oollcction, . . 1,200,243 34 



Entire premiums collected, .... f 7,098,838 08 
Less reinsurance and return premiums, . 1,334,510 85 

Net cash fire premiums received, . . . 95,764,327 23 

Interest received on mortgages, 72,679 14 

Interest and dividends received from all other sources, . . 287,734 36 
Income from rents, 5,296 73 



Gross cash income, 96,130,037 46 

Expenditures. 
Cash paid for fire losses 93,392,754 07 

Deduct salvage and reinsurance, . . . 330^21 38 

Net cash paid for fire losses, .... 93,062,232 69 

Cash dividends paid 350,000 00 

Cash paid for commissions and brokerage, .... 955,450 55 

for salaries of ofiieers and employees, . . . 431,052 60 

for State and local taxes, 125,156 00 

for general expenses, 561,209 36 

Gross cash expenditures, 95,485,101 20 

Risks akb Pisemidms. 



Fire risks outstanding Dec. 31, 1895, 
Fii'e risks written dui ing 1896, 



PnidI 



Total 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, . 



9729,121,673 00 99,004,993 99 
585,554,767 00 7,186,062 32 



91,314,676,440 00 916,191,046 31 
509,413,135 00 6,369,938 66 

9805,263,305 00 99,821,107 65 
9,660,308 00 129,466 52 



9795,602,997 00 99,691,641 13 



HOME INSURANCE CX>. 



249 



Miscellaneous. 

Fremiams received from organization of company, 
Losses paid from organization of company, • 
Fire losses incurred during the year, .... 
Cash diridends declared from organization of company. 
Dividends declared during the year (28 per cent ), 
Company^s stock owned by directors, .... 



189,515,120 00 
. 52,825,565 00 
. 2,987,800 00 
. 8,863,100 00 
. 350,000 00 
. 182,600 00 



"HOME INSURANCE COMPANY,'^ NEW YORK, N. Y. 

[Ineorponted April, 18&8. CoaimeiMad l>iuio«M April IS, 1S58.] 
Paij>-up CikPiTAi., $8,000,000. 



DAKUL A. HEALD, Prttidaa, 



WILUAIC L. BIOELOW, ) 
TnOMAB B. ORSBNB, > 



Se€reiarie$, 



Detailed Statement of Stocks and Bonds. 



United States bonds, . 

District of Columbia bonds. 

State of Georgia bonds, . 

New York cit}' bonds. 

City of Richmond, Va., bonds, 

Topeka City, Kao., internal imp. bonds, 

Citj of Council Blu£fs, Iowa, imp. bonds 

Nebraska City, Neb., improvement bonds, 

Kansas City, Kan., improvement bonds, 

City of Greely, Col., water bonds, . 

Ati^hismi, Kan., improvement bonds, 

West Chicago Park warrants, . 

The Ann Arbor Railroad Co. bonds. 

New York, Chicago & St. Louis R R. bonds, 

N. Y. Central & Hudson River R.R. bonds, 

New York & Harlem R.R. bonds, . 

Ohio & West Virginia Railway Co. bonds, 

Peoria, Decatur & Rvansville Railway bonds 

Cleve., Col., Cin. & Indianapolis R.R. bonds, 

Louisville, New Albany & ChicR'y Co. bonds 

West Shore Railway bonds, 

Albemarle & Chesapeake Canal Co. bonds, 

JefferVille, Madison & Indianapolis R.R. b'ds 

Dunkirk, Warren & Pittsburgh R'y Co. bonds 

Chic, St Paul, Minn. & Omaha R'y Co. bonds 

CleYcland Terminal & Valley R.R. Co. bonds 

Alabama Central Railroad bonds, . 

louUville, Henderson d St. Louis R'y Co. b'ds 



Par Value. 

♦876,000 00 

1,000,000 00 

25,000 00 

605,000 00 

60,000 00 

69,626 32 

9,200 00 

16,000 00 

8,600 00 

26,000 00 

3,000 00 

167,436 73 

215,000 00 

112,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

110,000 00 

96,000 00 

94,000 00 

60,000 00 

60,000 00 

60,000 00 

26,000 00 



Market Valoe. 

1407,762 60 

1.090,000 00 

26,000 00 

497,425 00 

60,000 00 

61,414 08 

9,200 00 

15,000 00 

3,500 00 

25,000 00 

3,000 00 

157,435 73 

160,175 00 

115,920 00 

116.000 00 

111.250 00 

118,000 00 

101,000 00 

130,000 00 

112,000 00 

104,000 00 

116,600 00 

110,400 00 

103,400 00 

63,500 00 

37,500 00 

55,000 00 

21,250 00 



250 



HOME INSURANCE GO. 



Virginia Midland Railway Co. bonds, 

Standard Gas Light Co. bonds, 

Des Moines Water Works Co. of Iowa bonds, 

Denver Union Water Company bonds, . 

Streator, 111., Aqueduct Co. bonds, . 

4,600 shares Morris & Essex Railroad, . 



2,000 

2,211 

2,000 

2,000 

1,100 

1,000 

1,000 

1,000 

1,000 

600 

600 

428 

606 

400 

2u0 

200 

200 

200 

200 

200 

200 

200 

200 

100 

100 

100 

200 

200 

60 

60 



«( 



ct 



u 



«• 



t4 



tc 



(« 



tc 



tt 



U 



Ct 



tl 



M 



(t 



It 



(I 



cc 



tl 



tt 



11 



tc 



It 



tt 



u 



tt 



tt 



tt 



II 



tt 



tt 



Chic, Mil. & St Paul R'y Co , . 
United N. J. R.R & Canal Co , . 
Pitts., Ft. Wayne & Chic. R'y Co., 
Pennsylv^ania Railroad Co., . 
N. Y. Cen. & Hudson River R.R., 
Fort Wayne & Jackson R.R., 
Chic, St. P., Minn. & Omaha R'y, 
Rensselaer & Saratoga R.R., 
Lake Shore & Mich. So'n R'y Co., 
Connecticut River R.R. Co., . 
The Ann Arbor R.R. Co., 
New York & Harlem R.R. Co^. . 
Standard Gas Light Co., 
National Broadway Bank, . 
American Ex. NatU Bank, N. Y., . 
Mercantile National Bank, N. Y., 
Nat'l Bank of Commerce, N. Y., . 
Manhattan Company, N. Y., 
Mei chants' Ex. Nat'l Bank, N. Y., 
Nassau Bank, .... 
Chatham National Bank, N. Y., . 
Nat'l Bute and Drovers' B'k, N. Y , 
Fourth National Bank, N. Y , . 
Bank of America, N. Y., 
Hanover National Bank, N. Y., . 
National Bank of the Republic, . 
Holland Trust Co., 
Franklin Trust Co., Brooklyn, . 
Long Island Loan and Trust Co., 
Metropolitan Trust Company, 



Par Valoe. 

$60,000 00 

60,000 00 

60,000 00 

48,000 00 

10,000 00 

230,000 00 

200,000 00 

221,100 00 

200,000 00 

100,000 00 

1 10,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

60,000 00 

60,000 00 

21,400 00 

60,500 00 

10,000 00 

20,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

6,000 00 

6,000 00 

20,000 00 

10.000 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

6,000 00 

6,000 00 



Market Valac 

|48^M)0 00 

64,000 00 

87,600 00 

36,000 00 

10,000 00 

876,050 00 

262,000 00 

628,429 00 

822,000 00 

103,500 00 

101,200 00 

120,000 00 

133,000 00 

181,000 00 

162,000 00 

123,600 00 

11,000 00 

62,916 00 

61,926 00 

22,600 00 

34,200 00 

34,000 00 

40,000 00 

20,600 00 

11,000 00 

15,800 00 

14,750 00 

6,250 00 

35,000 00 

31,500 00 

81,600 00 

14,600 00 

16,000 00 

42,400 OO 

12,000 00 

14,750 00 



•6,791,761 06 97,041,902 31 



Securities held as collateral for cash loans : — 

Seattle, Lake Shore & E<istem R.R. bonds, 

St. Joseph & Grand Island R.R. bonds, . 

Spokane & Palouse Railway bonds, . 

30 shares N. Y., Susquehanna & Western R.R., 

Des Moines & Ft. Dodge EtR. bonds, 

460 shares National Bank of North America, . 

260 •* National Bank of tho Republic, . 



Market Valne. 
•1,750 00 

990 00 
4,200 00 

720 00 
83,000 00 
41,860 00 
36,250 00 



Loaned Thereon. 

$6,900 00 

25,000 00 
37,800 00 
26,000 00 



HOME INSURANCE CO. 



251 



Des Moines & Ft Dodge R.R. bonds, 
Portsmouth & Suffolk Water Co. of Va. bonds, 
250 shares National Bank of the Republic, 
Denyer Union Water Co. bonds, 

37 shares Western Union Telegraph Co., 
100 ** National Bank of North America, 
368 •* Georgia "RR. & Banking Co , . 

10 ^ 'Manhaiikn Life Insurance Co., 
Des Moines & Ft. Dodge R.R. bonds, 
Dakota & Great Southern Kj Co. bonds. 



Market Yalne. 

$6,000 00 j 
2,000 00 ! 

86,250 00 

18,760 00 
2,960 CO 
9,100 00 

67,280 00 
1.925 00 
3,000 00 
2,160 00 



Loaned Thereon. 

t6,000 00 

25,000 00 

12,000 00 

1,300 00 

6,600 00 

35,000 00 

850 00 

1,600 00 

1.250 00 



•258,196 00 1188,100 00 



Summary or Assets Dec. 81, 1896.* 

Ctish Talue of unencumbered real estate, . $1,748367 41 

I..oans on mortgage of real estate (first liens f) , 423,786 7 1 

Interest due or accrued thereon, . . . 8,288 82 

Stocks and bonds, as per schedule, . . . 7,041,902 81 

Loans on collnteral security, as per schedule, . 188,100 00 

Cash deposited in bank, 806,082 86 

Interest due and accrued, 47,890 02 

Premiums in course of collection (gross), . 914,52189 

Notes taken for marine and inland risks, . . 2,682 45 
Prem^s more than three mos. due, $5,604 81 

Gross assets, f 10,676,504 97 

Deduct special deposits in other States, 129,500 00 

Balance, $10,647,064 97 

Liabilities. 

Losses adjusted, unpaid, $88,660 00 

claimed and reported, .... 510,762 08 

disputed or resisted, .... 64,146 04 

Total amount of losses, $658,558 07 

reinsurance, ...... 189,181 00 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Commissions and brokerage, . 



$464,877 07 

4,464,347 00 

88,870 44 



* TIm eompany holds, alio, inaUlment premlom notes to the amoiiDt of $724,084.07, which do 
HOC enter Soto nor form any part of the aetets of the oompeny, as no portion of them la earned. 
Whatever Taloe Is attaehsd to them would necessarily be counterbalanced by the addition of an 
amooat exactly eqaal to the relnsarance liability, the entire snm consisting of '* unearned pre- 
mloaa." 

t Value of lands mortffaged $715,810 00 

Value of buildings thereon 448,675 00 

AfflOOQt of ti^uran^ hel^as eoQateralg .... 251,250 00 



252 HOME mSUBANGE OO. 

Reinsurance, 9181381 17 

Reinsurance disallowed, 82^78 18 

Gross liabilities, except capital, • . $5,282,858 81 

Deduct liability on special deposits, . . 113,225 97 

15,119,127 84 

Surplus as regards policy holders, ...... $5,427,987 18 

Paid-up capital, 8,000,000 00 

Surplus over capital, $2,427,987 18 

Income. 

Fire premiums outstanding Dec. 81, 1895, . $789,955 88 
Same not collected, 888 17 

Net collected $789,622 71 

Premiums on risks written or renewed, • . 6,064,791 16 

Total, $6,854,418 87 

Premiums now in course of collection, . • 871391 58 

Entire premiums collected, .... $5382,522 29 

Less reinsurance and return premiums, . . 1,880,698 26 

Net cash fire premiums received, . . . $4,601329 08 

Marine premiums outstanding Dec. 81, 1895, . $28,426 66 
Premiums on risks written or renewed, . . 297,086 50 

Total $325313 16 

Premiums now in course of collection, . . 50320 57 

Entire premiums collected, .... $274,592 59 
Le£>s reinsurance and return premiums, . . 101,447 70 

Net cash marine premiums received, . . 178,144 89 

Interest received on moitgages, 28,809 77 

Interest and dividends received from all other sources, • . 802,211 04 

Income from rents, 96,760 64 

Gross cash income, $5,197,755 87 

Expenditures. 
Cash paid for fire losses, $2316,208 28 

Deduct salvage and reinsurance, . . • 369,625 75 

Net cash paid for fire losses, .... $2,546382 48 

Cash paid for marine and inland losses, . $157,882 60 

Deduct salvage and reinsurance, . . . 65,182 99 

Net cash paid for marine and inland losses, . 92,699 61 

Cash dividends paid, 800300 00 

Cash paid for commissions and brokerage, .... 907310 04 

for salaries of officers and emploj^ees, . • . 399,710 SO 

for State and local taxes, 93,01194 

for general expenses, 830,449 40 

Gross cash expenditures, ••••... $4,670,263 77 



THE HOWABD FIBE IN8UBANCE GO. OF BALTIMORE. 253 



Risks and Premiums. 

pKinlaiDt* 

Fire risks oatstanding Dec. 31, 1895, . $976,344,093 00 99,582,758 00 
Fire risks written during 1896, . . 674,388,396 00 6,064,791 16 



Total, 

Deduct risks expired and terminated. 

In forcre at end of jetu*, . 

Deduct amount reinsured, . . 

Het amount in force« 

Maiine risks outstanding Dec. 31, 1895, 
Marine risks written during 1896, . 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, • 



91,650,782,489 00 915,647,549 16 
686,149,214 00 6,291,885 16 



9964,583,275 00 99,355,664 00 
109,604,522 00 573,690 00 



9854,978,753 00 98,781,974 00 

97,566,605 00 9191,361 00 
76,499,405 00 297,086 50 



984,066,010 00 9488,447 50 
74,084,676 00 267,352 50 



99,981,334 00 9221,095 00 
2,418,880 00 46,399 00 



97,567,504 00 9174,696 00 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during tlie year. 
Cash dividends declared from organization of company, 
Diridends declared during the year (10 per cent), . 
Cooipany^s stock owned by directors, .... 



9115,737,977 00 
69,525,125 00 
2,495,103 00 
102,549 00 
10,015,000 00 
300,000 00 
168,300 00 



"PRESIDENT AND DIRECTORS OF THE HOWARD FIRE INSUR- 
ANCE COMPANY OF BALTIMORE," BALTIMORE, MD. 

[Inoorponted Marehp 1886. Commenced biialn«M Juno, 18M.] 
Paid-up Oapitai., $200,000. 
WV. ORTWINB, lYetideiU. M. LSWIN HSWES, Secretary. 

Detailed Statehent or Stocks and Bonds. 

Par YalM. Marktt Yalao. 

Baltimore citj bonds, 9145,200 00 9152,324 00 

United States bonds, 10,000 00 12,037 50 

MarjUuid State bonds, 2,000 00 1,960 00 

Baltimore & Ohio Railroad bonds, . . . 2,000 00 2,040 00 

Louisville city bond, 5,000 00 5,750 00 

Uuisrille water bonds, 5,000 00 5,787 50 



254 THE HOWARD FIRE INSURANCE GO. OF BALTIMORE. 



Georgia, Carolina & Nor. Railroad bonds, 
Cape Fear & Yadkin Valley bonds, . 
Potomac Valley Railroad bonds, ' . 
Western No. Carolina Railroad bohds, 
Southern Railway bonds, 
210 shares Northern Central Railway, 
625 " National Mechanics' Bank, 
100 " Western National Bank, 
200 '* National Bank of Commerce, 
50 '* National Howard Bank, . 



Par Yalnt. 

$5,000 00 
3,000 00 
6,000 00 
5,000 00 
5,000 00 

10,500 00 

6,250 00 

2,000 00 

8.000 00 

500 00 



Market Talne. 
•4,087 50 

1,800 00 

5,550 00 

5,700 00 

4,550 00 

13360 00 

10,937 50 

4,000 00 

3,400 00 

525 00 



1215,450 00 f234,S09 00 



Secarities held as collateral for cash loans : 
Loaned on company's own stock, . 



1300 00 



Summary of Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, . $39300 00 

Loans on mortgage of real estate (first liens*), 6,800 00 

Interest due or accrued thereon, . . . 155 80 

Stocks and bonds, as per schedule, . . . 234,309 00 

Cash in the office of the company, . . . 207 16 

Cash deposited in bank, 8,249 99 

Premiums in course of collection (gross), . 2,949 18 

Rents, 220 00 

Loan on company^s own stock, . . $300 00 

Gross assets, $292,691 IS 

* 

Liabilities. 

Losses adjusted, unpaid, $900 00 

Losses claimed and reported, .... 200 00 

Unearned premiums on outstanding risks, . 18,661 04 

Dividends to stockholders, unpaid, • . . 1,513 85 

Commissions and brokerage, .... 435 09 

Return premiums, 780 63 

Reinsurance, 194 30 

Reinsurance disallowed, 57 59 

Gross liabilities, except capital, . . 22,742 50 

Surplus as regards policy holders, $269,948 63 

Paid-up capital, 200,000 00 

Surplus over capital, $69,948 69 

* Valae of lands mortgaged, $7,600 00 

Valoe of balldlDga thereon, 7,fi00 00 

Amount of Inanranoe held aa collateral, , • • . 6,000 00 



THE HOWARD FIBE INSURANCE CO. OF BALTIMORE. 255 



Income. 

Fire prcminms outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 
Interest received on mortgages, 



1916 50 
24,840 18 

•25,256 68 
2,949 18 

122,807 50 
7,178*75 



Interest and dividends received from all other sources, . 
Income from rents, 



Gross cash income, • 



115,128 75 

2,625 00 

8,718 62 

984 20 

$27,456 57 



16,835 49 
260 11 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance. 

Net cash paid for fire losses, .... 

Cash dividends pai<l, 

Cash paid for commissions and brokerage, . . . . 

for salaries of ofticers and employees, . 

for State and local taxes, 

for general expenses, 

Deposits returned on perpetual fire risks, . 92,810 00 



•6,075 38 
18,045 85 
2,853 40 
5,520 67 
2,966 68 
3,249 97 



Gross cash expenditures, $33,711 95 

Risks and Premiums. 

rreminnu. 

Fire risks outstanding Dec. 31, 1895, . . 15,177,577 00 |38,591 73 
Fire risks written during 1896, . . . 3.217,424 00 24,810 18 



Total, 

Deduct risks expired and terminated. 

In force at end of year, , . . 
Dedaet amount reinsured. 

Net amount in force. 



«8,395,001 00 962,981 91 
3,234,547 00 23,527 18 



. 95,160,454 00 939,404 73 
228,892 00 1,743 80 



. 94,981,562 00 987,660 98 



Miscellaneous. 

Preminms received from organization of company, . . 91*202,255 00 

Losses paid from organization of company, .... 525,495 00 

Fire losses incurred during the year, 4,696 00 

Cash dividends declared from organization of company, , 606,100 00 

Dividends declared during the year, 12,950 00 

Company's stock owned by directors, 28,610 00 



256 



THE INSUBANCE GO. OF NORTH AMERICA. 



"PRESIDE^JT AND DIRECTORS OF THE INSURANCE COMPANY 
OF NORTH AMERICA « PHILADELPHIA, PA. 

[iDoorporated April 14, 1704. Oommenoed boalnaM ITM.] 

Paid-up Oafital, $8,000,000. 

CHARLES PLATT, Ptetident. GBEVILLE B. FBTER, SscreUxfy- 



, warrants, 



Detailed Statement of Stocks 



United States government bonds, 
Boston city bonds, 
Richmond, Va , city bonds, 
Georgia State bonds, 
Baltimore city bonds, 
Toledo city bonds, . 
Cincinnati city bonds, 
Belgian government bonds. 
Providence city bonds, 
City of Columbus (O.) bonds* 
City of Portland (Ore.) bonds 
East Lincoln (III.) bonds, 
City of Montreal bonds, . 
Western Springs, Cook Co., Ill 
City of Chicago warrants. 
City of Chicago bonds, 
Pennsylvania Railroad bonds, 
Philadelphia & Reading Railroad bonds 
North Pennsylvania Railroad bonds, 
Belvidere & Delaware Railroad bonds, 
Pennsylvania & N. Y. Canal & R.R. bonds, 
Lehigh Valley Railroad bonds, 
Delaware Division Canal bonds, 
French rentes, .... 
Brooklyn Wharf & Warehouse Co bonds, 
Baltimore & Potomac R R. bonds, . 
Schuylkill River East Side Railroad bonds, 
Terminal Kail road Association of St. Louis, 
Lehigh Coal and Navigation Company, . 
Kaston & Amboy Railroad Company, 
Philadelphia & Erie Railroad, . 
Chicago & Western Indiana Railroad bonds, 
Northern Central Railway bonds, . 
Pitts., McKeesp't & Youghiogheny Railroad, 
Lehigh Valley Railroad bonds. 
The Belt R.R. and Stock Yard Company bonds 
Bergen County Railroad bonds. 
Car Trust of New York bonds, 
New York & Long Branch Railroad bonds, 
100 shares Philadelphia National Bank, . 
40 •* Philadelphia Bourse, 



AKD Bonds. 

Par Value. 

tl25,000 00 

112,000 00 

53,000 00 

25,000 00 

200,000 00 

1,000 00 

28,000 00 

49,000 00 

25,000 00 

25,000 00 

50,000 00 

10,000 00 

111,000 00 

882 50 

13,400 00 

26,000 00 

430,000 00 

350,000 00 

80,000 00 

50,000 00 

25,000 00 

200,000 00 

15,000 00 

5,800 00 

30,000 00 

5,000 00 

20,000 00 

40,000 00 

5,000 00 

100,000 00 

150,000 00 

79,000 00 

16,000 00 

50,000 00 

7.000 00 

50,000 00 

50,000 00 

28,000 00 

150,000 00 

10,000 00 

2.000 00 



lUrket VaIm. 
tl4I,250 00 

120,960 00 
53,000 00 
28,250 00 

194,000 00 
1,020 00 
30,800 00 
49,000 00 
26,000 00 
25«500 00 
58,000 00 
10,300 00 

122,100 00 

382 50 

13,400 00 

26,000 00 

510,700 00 

430,500 00 
94,800 00 
53,000 00 
30,250 00 

238,000 00 

14,250 00 

5300 00 

80,900 00 

6,000 00 

20,400 00 

42,000 00 

6,250 00 

107,000 00 

178,500 00 
82,950 00 
18,400 00 
61,000 00 
7,070 00 
59,000 00 
52,500 00 
23,000 00 

165.000 00 

19,000 00 

400 00 



THE INSUBANGE CO. OP NORTH AMEUTCA. 



257 



^S shares Chesapeake and Del. Canal Co., 

Atlantic Mutual Insurance scrip, 

Philadelphia & Baltimore Central Railroad, 

Delaware & Chesapeake Railroad bonds, 

Steubonyille & Indiana Railroad bonds, . 

Coming, Cowanesque & A. Rii. bonds, . 

New York, Lake Krie & Western R.R. bonds, 

Terre Haute & Logansport Railroad bonds, 

Texas & Pacific Railway bonds, 

Loniavillc & Nashville Railroad, 

Lehigh Coal & Navigation Company bonds, 

New York, West Shore & Buffalo R.R. bonds, 

San Antonio & Aransas Pass. Railway bond.s. 

Wrecking Boat " North America " bonds, 

Canada & Atlantic Railroad bonds,. . 

Jefferson Railroad bonds, 

McKeespurt A Belle Vernon Railroad bonds, 

Penn. A New York Canal and R.R. bonds, 

Wm Cramp & Sons' Ship &Eng. BMd*g Co. notes, 

Lehigh Valley Railway Company bonds, 

Lehigh Valley Terminal Company bunds, 

Baltimore Belt Railroad bonds, 

Elizabeth Railroad of Austria bonds, 

Tioga Ritilroad bonds, .... 

Philadelphia & Reading Railroad bonds, 

Lehigh Valley Railroad bonds, 

Cincinnati, Hamilton & Dayton Railroad bonds, 

CamtieD & Atlantic bonds. 

Northern Pacific Railroad bonds, 

Cleveland, Loraiu & Wheeling Railroad bonds, 

Prospect Brewing Company bonds, . 

Delaware River K.R & Bridge Co. bonds. 

Northern Central Railway bonds, . 

International Navigation Company bonds, 

1«500 shares company^s own stock, t31«500 00 



Par V«lae. 

1 1 1,400 00 
6,410 00 

100,000 00 

100,000 00 

200.000 00 
9,000 00 

200,000 00 
60,000 00 
20,000 00 
63,000 00 

100,000 00 
26,000 00 
21,000 00 
29,000 00 
20,000 00 
35,000 00 
20,000 00 
60,000 00 
60,000 00 
60,000 00 
40,000 00 
80,000 00 
40,000 00 
6,000 00 

100,000 00 
60,000 00 
60,000 00 
60,000 00 
4,000 00 
60,000 00 
26,000 00 
60,000 00 
10,000 00 
60,000 00 



Mut«t Value, 
f 250 00 

6,410 00 

106,000 00 
95,000 00 

216,000 00 
9,000 00 

216,000 00 
42,600 00 
21,400 00 
71,820 00 

102,600 00 
26,250 00 
11.760 00 
29,000 00 
16,000 00 
89,560 00 
24,000 00 
47,600 00 
60,000 00 
60,000 00 
42,800 00 
27,900 00 
40,000 00 
5,260 00 

103,000 00 
49,600 00 
62,000 00 
62,600 00 
4,000 00 
62,000 00 
26,000 00 
63,000 00 
10,700 00 
61,600 00 



t4,6 10,392 60 1 1.904,722 60 



Secorities held as collateral for cash loans : -^ 



McKeeaport & Belle Vernon R.R. bonds. 
New Jersey Consolidated Traction Co. bonds, 
Allegheny County bonds, 

30 shares Philadelphia Mortgage Co , . 

60 " Penn. Co. for Insurance on Lives, 
100 ^ Lehigh Coal and Navigation Co., 
City of Philadelphia bonds, 
Lehigh Valley R.R. bonds. 



Market Value. Loaned Thereon. 

f 48,000 00 140,000 00 



8,300 00 
6,350 00 
2,130 00 
24,300 00 
4,100 00 
8,510 00 
2,600 00 



6,000 00- 
4,000 00 
1,300 00 

20,000 00 
10,000 00 



1 103,290 00 •80^300 00 



258 



THE INSUBAKCE CO. OF NORTH AMERICA. 



SUMHABT OF ASSETS DeC. 31, 1896. 



Cash valae of nnencumbered real estate. 
Loans on mortgage of i-eal estate (firat liens *) 
Interest due or acemed thereon. 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash deposited in bank, .... 
PreraluiDS in course of collection (gi'oss). 
Notes taken for marine and inland risks. 
Due for reinsurance of marine losses. 
Book debts due the company, . 
Compapy^s stock held by company, 131,500 00 

Gross assets, 

Deduct, special deposits in other States, . 



1457,132 85 

2,463,233 76 

50,643 78 

4,904,722 50 

80,300 00 

782,589 87 

813,100 36 

60,114 88 

14,953 75 

67,864 63 



t9,694,655 88 
261350 00 



Balance, 19,433,305 88 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted. 

Total amount of losses, . 
Less reinsurance, . . . 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies. 
Commissions and brokerage, . . 

Reinsurance, 

Book debts, . . . 
Reinsurance disallowed, . 



Gross liabilities, except capit«il, 
Deduct liability on special deposits, 



tl02,629 59 

348,159 20 

43,988 32 

$494,777 11 
146,120 80 

$348,656 81 

3,246,830 32 

781,689 31 

35,000 00 

41.906 53 

8,189 41 

9,031 51 

$4,466,303 89 
125,099 12 



4,341,204 77 



Surplus as regards policy holders, • . . • • $5,092,101 11 

Paid-up capital, ......... 3,000,00000 

Surplus over capital, $2,092,101 11 

* Total Taloe of property mortgmged, $S,337,94T 00 

AmoQBt of iniurance held at oolUitenl, . • . • • 2,844,400 00 



THE INSURANCE GO. OF NORTH AMERICA. 



259 



Ikcoms. 

Fire premiQins ontstanding Dec. 31, 1895« 
Premiums on risks written or renewed,.' . 



Total, 

Premiams now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Marine premiams outstanding Dec. 81, 1895, 

Premiums on risks written or renewed, • 



Total, 

Premiums now in course of collection, 



Entire premiums collected. 

Less reinsarance and return premiums, . 

Net cash marine premiums received. 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from net perpetual deposits, 

Deposits received for perpetual fire risks, 



•625,892 63 
4,787,742 29 

•5,413,634 92 
678,407 28 

•4,835,227 64 
865,631 19 

•305,782 74 
2,094,040 60 

•2,399,823 34 
294,807 96 

•2,105,015 38 
531,103 87 



•3,979,596 45 



sources, . 
•17,694 94 



1,573,911 61 

140,622 66 

227,377 93 

2,321 99 



Gross cash income, •5,923,730 53 



EXFEMDITCBES. 



•2,268,505 86 
101,754 73 



•1,907,429 81 
611,448 46 



Cash paid for fire losses, . 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . 
Cash paid for marine and inland losses, 
Deduct salvage and reinsurance. 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, . . . . 

for salaries of officers and employees, . 

for State and local taxes, 

for general expenses, 

Deposits returned on perpetual fire risks, • •16,372 95 



•2,166,751 13 



1,295,981 36 
860,000 00 

1,038,731 46 
300,458 24 
118,787 66 
293,727 66 



Gross cash expenditures, ^6,569,437 39 



260 INSURANCE CO. OF THE STATE OF PENNSYLVANIA. 



Fire risks oatstaDding Dec. 81, 1895, 
Fire risks written during 1896, 



Risks and Premiums. 

Premloi 

•638,984,866 00 •6,024,632 50 
561,364,616 00 4,787,742 29 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, 



•1,200,838,881 00 110,812,874 79 
688,338.293 00 4,787,522 67 



•612,000,588 00 •6,024,852 12 
14,284,708 00 144,155 84 



•597,715,886 00 15,880,696 28 



Perpetual risks in force (notincl'd above), •84,022,948 00 f858,767 81 

Marine risks outstanding Dec. 81, 1895, . •42,000,000 00 •252,000 00 
Marine risks written during 1896, . . 270,786,330 00 2,094,040 60 



Total, •312,786,380 00 ^2,346,040 60 

Deduct risks expired and terminated, . 270^88,074 00 2,101,881 60 



In force at end of year, . 



•41,898,266 00 ^244,159 00 



Miscellaneous. 

Premiums received from organization of company. 

Losses paid from organization of company, . 

Fire losses incurred during the year. 

Marine and inland losses incurred during the year. 

Cash dividends declared from organization of company 

Dividends declared during the year (12 per cent). 

Company's stock owned by directoi*s, 



•126,775,754 00 
88,808,255 00 
2,150,429 00 
1,207,881 00 
18,658,934 00 
860,000 00 
261,700 00 



" INSURANCE COMPANY OF THE STATE OF PENNSYLVANU,*' 

PHILADELPHIA, PA. 

[looorponkted April 18, 1794. Oomroeneed batlD«M JSfov, 5, 179i.] 

Paid-up Capital, $200,000. 
QSO. O. CROWBLL, PfeHdenL A. B. BARLB, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Valne. 

20 shares Philadelphia National Bank, . . f^tOOO 00 

Harrisburg, P. L. & Mt. Joy Railroad bonds, . 15,000 00 

Car Trust of New York bonds, . . , 2,000 00 

Chicago & W. Indiana Railroad bonds, . . 7,000 00 



Vaik«tYa3inb 

•8300 00 

16,060 00 

2,120 00 

8,120 00 



lySUBANCE C50. OF THE 8TATE OP PENNSYLVANIA. 261 



Shamokin, Sanbtiry & L. Railroad bonds, 
Terre Haute & Logansport Railroad bonds, 
SteubeoTille & Indiana Railroad bonds, . 
Long Dock Cooipany bonds, . 
Pittsbarg Junction Railroad Company bonds, 
St. Paul & Northern Pacific Railroad bonds, 
San bury, H. & Wilkesbarre Railroad bonds, 
Northern Central Railroad bonds, . 
City of Quincy bonds, .... 
Wabash Railroad Company bonds, . 
Syracuse, Geneva & Coi*. Railroad bonds, 



Pat VaIqo. 

$10,000 00 
20,000 00 
30.000 00 
10.000 00 
10,000 00 
10,000 00 

4,000 00 
10,000 00 
10,000 00 
14,000 00 

6,000 00 



Market Yalaa. 
• 10,200 00 

19.600 00 
33,600 00 
13,250 00 
13.200 00 
12.012 60 

4,263 33 
10,700 00 
10,600 00 
10,080 00 

6.460 00 



•160,000 00 1173,836 83 



SuMsiART OF Assets Dec. 31, 1896. 

Cash ralue of unencumbered real estate, . |349,019 37 

Loans on mortgage of real estate (first liens *), 44,600 00 

Interest due or accrued thereon, . . . 680 66 

Stocks and bonds, as per schedule, . . . 173.836 83 

Cash in the office of the company, . . . 1,238 64 

Cash deposited in bank, 124,667 61 

Interest due and accrued, .... 260 00 

Premiums in course of collection (grGi3s), . 43.701 02 

Notes taken for fire risks, 1,963 26 

Rents due, 7,040 73 

Due for reinsurance of losses, already paid, . 7.179 22 

Salvage 3.787 77 

Other admitted assets, 9,236 72 

Gross assets, 



1767,100 72 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies. 
Due for borrowed money, 
Commissions and brokerage, . 
Gross liabilities, except capital. 



Surplus as regards policy holders. 
Paid-up capital. 



•1,034 46 

12,671 14 

182,476 06 

209,334 36 

46,000 00 

6,666 16 



467,070 16 

•310,030 66 
200,000 00 



Surplus over capital, 9110,030 66 



* Total valae of property mortgaged, • 
Amoaat of locoraoee held ai collateral, 



$78,000 00 
85.800 00 



262 INSUKAKCE GO. OF THE STATE OF PENNSYLVANIA. 



Income. 

Fire premiums outstanding Dec. 31, 1895, . $51,818 67 
Premiums on risks written or renewed, . . 889,465 70 

Total, 1441,279 87 

Premiums now in course of collection, . . 48,701 02 

Entire premiums collected, .... $897,578 85 
Less reinsurance and return premiums, . . 95,558 64 

Net cash fire premiums received, . . . $802,024 71 

Interest received on mortgages, 4,781 56 

Interest and dividends received from all other sources, . . 6,088 13 

Income from rents, 7,287 00 

Income from all other sources, 536 15 

Deposits received for perpetual fire risks, . $15,998 82 

Gross cash income $820,662 54 



Expenditures. 

Cash paid for fire losses, $183,066 76 

Deduct salvage and reinsurance, . . . 24,970 17 

Net cash paid for fire losses, .... $158,096 59 

Cash dividends paid, . . . * 10,000 00 

Cash paid for commissions and brokerage, .... 72,304 90 

for salaries of oflSccrs and employees, . . . 15,725 00 

for State and local taxes, 6,860 02 

for general expenses, . . ' . . . . 21,141 96 
Deposits returned on perpetual fire risks, . $8,118 88 

Gross cash expenditures, ....... $284,128 47 



Risks and Premiums. 

Piwoli 

Fire risks outstanding Dec. 81, 1895, . . $83,988,067 00 1487,573 47 

Fire risks written during 1896, . . . 80,624,286 00 889,465 70 

Total $64«557,35d 00 $827,039 17 

Deduct risks expired and terminated, . . 81,402,217 00 401,983 50 

In force at end of year, $38,155,186 00 $425,105 67 

Deduct amount reinsured, .... 4,845,068 00 52,648 69 

Net amount in force, $28,310,068 00 $372,456 98 

Perpetual risks in force (not incVd above), . $7,016,348 00 $232,598 73 



lumbermen's insurance CO. 



263 



Miscellaneous. 

Preminms recoived from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred daring the year. 

Cash dividends declared from organization of company 

Dividends declared during the year (6 per cent ), . 



121,858,770 00 

. 16,776,187 00 

149,808 00 

. 4,281,406 00 

10,000 00 



LUMBERMEN'S INSURANCE COMPANY," PHILADELPHIA, PA. 

[Ineoiporated Jooe 2, 1873. CommeDoed bnatneM I>o«. 11, 187S.] 

Paib-ut Capital, $360,000. 
LEWI8 DAVIfi, PrttideiU. OLIVER H. HILL, SBcrttarf, 



Detailed Statement of Stocks and Bonds. 



Susquehanna Coal Co. bonds, • 

Shamokin Valley & Pottsville R.R. bonds, 

SteubenviHe & Indiana R.R. bonds, 

Richmond & Danville R.R. bonds, . 

Philadelphia & Readings R.R. bonds, 

Sommit Branch R.R. Co. bonds, 

Camden & Atlantic R.R. Co. bonds. 

Mortgage Trust Co. of Pa. bonds, . 

Lehigh Valley R.R. Co. bonds. 

Car Trust of New York bonds, 

West Jersey R.R. Co. bonds, 

Chicago, St Louis & Pittsburg R R. bonds, 

Mortgage Trust Co. of Pa. bonds, . 

Master Builders' Exchange bonds, . 

Car Trust of New York bonds. 

West Jersey R.R. bonds, .... 

Sonbury, Hazelton & Wilkesbarre R.R. bonds 

Shamokin, Sunbury & Lewisburg R.R. bonds, 

Pennsylvania Steol Co. bonds, 

Lehigh Valley R.R. bonds, 

Texas & Pacific R.R. bonds, 

Ohio River Railroad bonds, 

Lehigh Valley Railroad bonds 

Cincinnati, Richmond & Fort Wayne R.R. b'ds 

Cambria & Clearfield Railroad Co. bonds 

Dulnth Street Railway Co. bonds, . 

St Louis Merchants' Bridge Co. bonds, 

Minneapolis General Electric Co. bonds. 

Electric R*y Light and Power Co. Sedalia, Mo 

Broadway and Seventh Avenue R R. Co. bonds 



Par Value. 

f 12,000 00 
7,000 00 
16,000 00 
6,000 00 
6,000 00 
10,000 00 
10,000 00 
6,000 00 
10,000 00 
3,000 00 
3,000 00 
10,000 00 
10,000 00 
10,000 00 
9,000 00 
S6,000 00 
8.000 00 
10,000 00 
10,000 00 
10,000 00 
11,000 00 
6,000 00 
3,000 00 
80,000 00 
12.000 00 
20,000 00 
20,000 00 
80,000 00 
8,000 00 
10,000 00 



Market Value. 
113,560 00 

7,840 00 
16.660 00 
6.000 00 
4,100 00 
10,000 00 
10.760 00 
6,020 00 
13,000 00 
3,060 00 
3,180 00 
11.600 00 
10.260 00 
10,126 00 
8,730 00 
31,200 00 
8,480 00 
10,800 00 
10,000 00 
12,800 00 
9,680 00 
6,150 00 
3,060 00 
84,800 00 
12,250 00 
20,500 00 
21,000 00 
20,600 00 
8,000 00 
11,660 00 



264 



LT7MBERM£N*S INSURANCE CO. 



Ilnrtman General Electric Co., Dninth, bonds, 
Superior Water, Light and Power Co. bonds, 
St. Paul Gas Light Co. bonds, . 
Lehigh Traction Co. bonds, 
68 shares Lehigh Traction Co., 
Mortgage Trust Co. of Penna bonds, 
Piedmont & Cumberland R.R. Co. bonds, 
Syracuse & East Side K R. Co. bonds, 
Detroit and Mackinac R.R. Co. bonds, 
Grand Rapids Gas Light Co. bonds, 
80 shares Grand Rapids Gas Light Co., . 
G'Ta, W'loo, Sen. Falls & Cay Lake Tr. Co. b'ds, 
20 shs. G'va, W'loo, Sen Falls & Cay. Lake Tr. Co 
Passaic Lighting Co. bonds, 

50 shares Passaic Lighting Co., 

10 *' Philadelphia Bourse, 
100 '' Grand Rapids & Indiana R'y Co., 
Phi I a. & Reading Coal and Iron Co. cert^s, 
Lehigh Valley Railroad Co. Car Trust, . 
46 shs. B^k'h*m Apart. House Co., St. Paul, stock. 



Par YaliM. 

110,000 00 
10,000 00 
10,000 00 
15,000 00 

6,800 00 

8,000 00 
10,000 00 
10,000 00 

5,000 00 
10,000 00 

4,000 00 
10,000 00 

2,000 00 
10,000 00 

5,000 00 

500 00 

10,000 00 

10,000 00 

10,000 00 

4,600 00 



Market Yalae. 

1 10,250 00 

10,100 00 

8,500 00 

13,500 00 

1,020 00 

3,075 00 

10,000 00 

9,500 00 

3,500 00 

9,200 00 

2.400 00 

9,600 00 

400 00 

9,000 00 

1,000 00 

100 00 

500 00 

10,600 00 

10,200 00 

4.100 00 



1482,900 00 t479,280 00 



Securities held as collateral for cash loans : — 

400 shares B'lt Line ElVator Co., Superior, Wis , > 
Belt Line Elevator Co. bonds, . . . . > 

45 shares ISth & I5th Street Pass. R'lway Co., 
200 '* Columbus & Xenia R.R. Co., 
Pittsburgh. Cincinnati & St. Louis R.R. bonds, 
60 shares Citizens^ Passenger Railway Co., . 
17 " Jefferson Fire Insurance Co., . 

3 ** Pennsylvania Fire Insurance Co., 

5 ** Reliance Insurance Co., . 
15 *' Lehigh Navigation Co., . 
Consolidated Traction Co. of N. J. bonds, . } 
200 shares United Gas Improvement Co. stock, . S 
Minneapolis General Electric Co. bonds, 



■} 



Market Value. 


LoenedTherMNi. 


114,500 00 


tl2,000 00 


10,350 00 


5,000 00 


16,000 00 


3,000 00 


8,800 00 


8,000 00 


16,200 CO 


600 00 


2,125 00 


1^00 00 



2,000 00 



SUHMART OF ASSETS DsO. 81, 1896. 

Cash value of unencumbered real estate, . fl^O*^^ 00 
Loans on mortgage of real estate (first liens *), 484,110 99 
Interest due or accrued thereon, . . . 7.812 64 



1,200 00 



84,950 00 25,000 00 
10,000 00 4,000 00 



tll4,925 00 t60,S00 00 



* Value of lardA nortifaged, • • • 
Value of baiidingt thereon, . . 
Amount of insaranee hold u oollateral, . 



$500,000 00 

4ai,ooooo 

400,950 00 



lumbermen's insurance CO. 265 

Stocks and bonds, as per schedule, . . . t^79,280 00 

I^ans on collateral security, as per schedule, . 60,800 00 

Cash in tlie office of the company, . . . 387 82 

Cash deposited in bank, 27,368 45 

Interest due and accrued, .... 784 51 

Preminms in course of collection (gross), . 86,724 46 

Rents dae, 1,127 50 

Ground rent, 1,000 00 

Gross assets, $1,148,946 37 

Liabilities. 

I..OSSCS adjusted, unpaid, $524 49 

claimed and repoi*ted, .... 14,215 65 

disputed or resisted, .... 4,000 00 

Total amount of losses, 1 18,740 14 

Less reinsurance, 700 OO 

Xet amount of unpaid losses, .... $18,040 14 

UDearDHi premiums on outstanding risks, . 130,887 05 

Reclaimable on perpetual fire policies, . . 230,953 25 

State and local taxes, 1^13 30 

Commissions and brokerage, .... 7,110 73 

Return premiums, 5,853 58 

Reinsurance, 1,954 56 

Reinsurance disallowed, 4,370 64 

Incidentals 1,297 22 

Gross liabilities, except capital, . . 402,280 47 

Sorplus as regards policy holders, $746,665 90 

Paid-up capital 250,000 00 

Surplus over capital, . $496,665 90 

Income. 

Fire premiums outstanding Dec. 31, 1895, . $30,214 66 
Premiums on risks written or renewed, . . 230,167 35 

Total $260,382 01 

Premiums now in course of collection, . . 36,724 46 

Entire preminms collected, .... $223,657 55 
Less reinsurance and return premiums, . . 49,942 00 

Net cash fire premiums received, . . . $173,715 55 

Interest received on mortgages, 25,127 80 

Interest and dividends received from all other sources, . . 28,480 57 

Income from rents, 2,459 81 

Income from other sources, 719 32 

Deposits received for perpetual fire risks, . $14,761 65 

Gross cash income $230,502 55 



266 THE MANUFACTURERS* AND MERCHANTS* INSURANCE GO. 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for general expenses. 



•87,255 19 
3,059 62 



184,195 57 

25,000 00 

41,199 40 

12,A89 00 

5,373 41 

9,413 25 



Gross cash expenditures, 1177,870 63 



Risks and Premiums. 



Fire risks outstanding Dec. 31,1895, 
Fire risks written during 1896, 



. 122,414,354 00 
. 24,497.316 00 



Total, 146,911,670 00 

Deduct risks expired and terminated, . . 20,210,287 00 

In force at end of year, 126,701,383 00 

Deduct amount reinsured, .... 1,646,016 00 



Premloms. 

1239,743 60 
230,167 85 

•469,910 95 
206,410 82 

•264,500 13 
17,466 51 



Net amount in force, •25,055,367 00 1^^7,043 62 

Perpetual risks in force (not incl'd above), . td*^^*^^^ 00 1256,614 72 



M1SCELLA.NEOCS. 

Premiums received from organization of company. 

Losses paid from organization of coui]jany, . 

Fire losses incurred during the year. 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent.), 

Company^s stock owned by directors. 



•1,989,390 00 

1,013,000 00 

82,030 00 

838,000 00 

25,000 00 

75,675 00 



"THE MANUFACTURERS' AND MERCHANTS' INSURANCE COM- 

PANY," PITTSBURGH, PA. 

[Incorporated Feb. 28, 1865. Commenced bntiaeee May 1, 1865.] 

Paid-up Capital, $250,000. 

JOHN W. CHALPAKT, PretidmL Wtf. T. ADAIR. 8€trtiarf, 



Detailed Statement of Stocks 

Pittsburgh & Western Railway Co. stock, 
Pittsburgh & Western Railway Co. bonds, 
Pitts., Allegh*y & Manchestec Trao. Co. bonds, 
Allegheny County Light Company bonds, 
Braddock & Turtle Creek Struwt R'y bonds, . 



AND Bonds. 

Par Yatoe. 

f 6,000 00 
10,000 00 
20,000 00 
10,000 00 
10,000 00 



Maitet ValB*. 
$600 00 

7,500 00 

21,000 00 

10,460 00 

10,400 00 



THE MAKUFACTUREB8* AND MERCHANTS* INSURANCE GO. 267 



Borongh of Etna, Pa., bonds, . 
Wheeling Railway Company bonds, 
Pittsburgh Plate Glass Company bonds, , 
Westinghouse Machine Company bonds, 
U. C. Frick Coke Company bonds, . 



Secnrities held as collateral for cash loans : - 

Penn Street Railway Company bonds, • 
^looongahela National Bank stock, 
Pitts., Allegh'y & Manchester Trac. Co. stock, 
Westinghouse Brake Company stock, 
Pitts , Allegb'y & Manchester Trac Co. stock, 
Pittsburgh Junction Railway Company stock. 
Federal St. & Pleasant Valley R'y Co. stock, . 
Central Connellsville Coke Company bonds, • 



Far Value. 

110,000 00 
11,000 00 
20,000 00 
11,000 00 
10.000 00 



Uarket Valoe. 

110,000 00 
11.550 00 
20,200 00 
11,055 00 
10,000 00 



tll7,000 00 tH2,655 00 



Market Yaloe. Loancil Thereon. 

12.000 00 
775 00 
16.606 00 i 

8,150 00 ! 
15,200 00 

3,000 00 j 

9,256 50 \ 

3,000 00 



•860 00 
400 00 


16,000 00 


10,000 00 


9,500 00 


1.600 00 



152.987 50 •38,360 00 



SDMMA.BT OF ASSETS DeC. 31, 1896. 



Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon, . . 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
I^emiums in courae of collection (gross), 
Rents due and accrued, .... 
Reinsurance and salvage, .... 
Prem's more than three mos. due, t712 27 
Gross assets, 



•45,000 00 

273,766 67 

5,956 54 

112,655 00 

38,360 00 

1,569 66 

32,600 24 

88 85 

30,377 71 

308 33 

2,134 04 



•542,817 04 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 



Total amount of losses, .... 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Commissions and brokerage, . . 



•2,207 83 

15,878 60 

799 11 

•18,885 54 
8.305 00 

•10,580 54 

156.417 01 

7,767 16 



* Valuo of lands mortfftged, 
Valne of balldtogt ih^eoD, . 
Amount of IntonuiM beJd aa eo}latenJ, 



$351,750 00 
S07J50 00 
277,100 00 



268 THE MANUFACTURERS* AND MERCHANTS* INSURANCE CO. 



Return premiums and reinsurance, etc., • 
Reinsurance disallowed, .... 
Gross liabilities, except capital. 



♦2,001 53 
7,325 00 



Surplus as regards policy holders, 
Paid-up capital. 



1184,091 24 

1358,725 80 
250,000 00 



Surplus over capital, 1 108,725 80 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash fire premiums received. 

Net cash marine premiums received. 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



Expenditures. 
Cash paid for fire losses, . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses. 

Deduct salvage and reinsurance. 

Net cash paid for marine and inland losses. 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employee 
for State and local taxes, 
for incidentals, • 



Gross cash expenditures. 



•23,093 56 
266,939 33 

1290,032 89 
23,442 75 

1266,590 14 
62,816 95 



sources. 



1111,145 15 
6,796 01 

•607 35 
8 18 



s, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated, 



In force at end of year, . 
Deduct amount reinsured, 

Not amount in force, 



. 121368,366 00 
. 22,124,540 00 



. 143,992,906 00 
. 18,776,087 00 



125,216,819 00 
1,157,409 00 



•203,773 19 

366 16 

14,286 89 

9,127 43 

365 04 

•227,918 71 



•104,349 14 



599 17 

15,000 00 

54,098 36 

8,873 SO 

4,920 11 

9,717 96 

•197,658 04 



Pranlim&i. 

•278Ai6 39 
266,939 33 

•545,485 78 
237,784 9S 

•307,700 80 
16,073 73 



. •24,059,410 00 •292,627 03 



THE MECHANICS* INSURANCE CO. 



269 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incarred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent ), . 
Company *s stock owned by directors, .... 



13,206.179 00 

1,344,987 00 

90,279 00 

625,000 00 

16,000 00 

66,250 00 



« THE MECHAXICSMNSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 18, 18M. OommeDoed butlnaM May 4, 1854.] 

Paid-up Capital, $850,000. 
BIM0!7 J. MARTIN, lYuident, JOHN A. BNTDER. Secretary. 



Detailed Statement of Stocks 



Phila., Wilmington & Baltimore R.R. bouds, 
Union Passenger Railway bonds, 
Lombard & South Streets Pass. Railway, 
Steobenville & Indiana Railroad bonds, . 
Borough of Clifton Heights, Penn., bonds, 
Schaylkill Rirer, £ast Side, Railroad bonds. 
City of St Louis bonds, .... 
Northern Pacific Terminal bonds, . 
Xorth Pennsylvania Railroad bonds, 
Cstawissa Ridlroad bonds, 
Co! ambus & Cincinnati Midland R.R. certs., 
Phila., Wil. & Baltimore Railroad certificates 
Phila. & Erie Railroad bonds, . 
Toledo Electric St. Pass. Railway bonds. 

United States bonds, 

Consolidated Traction Co. of New Jersey bMs 
Second Ave. Traction Co., Pittsburgh, bonds, 
Terminal R.R. Association, St. Louis, bonds. 
Commonwealth of Pennsylvania bonds, . 
City of Altoona, Pa., bonils, 
200 shares Fair. Park & Haddington P. R.R., 
100 ^ 

80 " 

20 " 
200 " 
164 " 



Union Passenger Railway, 
18th A Idth Streets Pass. Railway 
2d & 8d Streets Pass Railway, 
Philadelphia Traction Company, 
Union Traction Company, 



AND Bonds. 

Pur Value. 

f 6,000 00 
20,000 00 
20,000 00 
26,000 00 

3,000 00 
80,000 00 
10,000 00 
10,000 00 
11,000 00 

9,000 00 
10,000 00 
10,000 00 
28,000 00 
10,000 00 

5,000 00 
10,000 00 
10,000 00 
10,000 00 

6,000 00 
10,000 00 
10,000 00 

6,000 00 

1,600 00 

1,000 00 
10.000 00 

1,640 00 



Market Valaa. 

f6,220 00 

22,000 00 

20,200 00 

27,260 00 

3,0t0 00 

30,900 00 

10,000 00 

10,600 00 

12,210 00 

9310 00 

6,200 00 

10,226 00 

28,840 00 

10,000 00 

6,976 00 

8,800 00 

10,000 00 

10,000 00 

6,000 00 

10,000 00 

12,000 00 

21,000 00 

6,900 00 

4,620 00 

18,226 00 

1,601 60 



1280,040 00 1314,776 60 



270 



THE mechanics' INSURAKCE CO. 



Securities held as collateral for cash loans : — 

366 shares Merchants^ Trust Co., 
100 

16 

50 

60 
100 
100 

50 
165 

43 
300 



(( 



M 



«C 



ii 



tc 



a 



t« 



ct 



Lehigh Coal & Navigation Co., 
Pennsylvania Steel Co., . 
United Gas Improvement Co., 
Union Traction Co., 
N. Y. & Middle Coal Field Co , 
Philadelphia & Reading R.R. Co., 
Philadelphia Traction Co., 
Hannis Distilling Co., 
Bethlehem Iron Co., 
Philadelphia & Reading R.R. Co., 



Northern Central R.R. Co. bonds. 



Market Valne. 

♦4,575 00 > 

4.150 00 

960 00 

3,575 00 

458 75 

2,500 00 

1,350 00 ; 

3,300 00 

14,850 00 

2,924 00 

4,050 00 

44,000 00 



Loaned Thenoa. 



} 



1 12,500 00 



2,000 00 
12,500 00 
25,000 00 



t86,687 75 $52,000 00 



SUMMABY OF ASSETS DeC. 81, 1896. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens *), 
Interest duo or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, . 
Cash in the office of the company, . . . 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross). 
Rents due and accrued, ..... 

Perpetual deposits due 

Gross assets, 



$87,000 00 

330,985 00 

5,558 71 

814,776 50 

62,000 00 

1,458 48 

51,107 21 

4,164 15 

43,502 84 

143 82 

4,594 00 



$895,285 21 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding ri.<k«, 
Reclaimable on perpetual fire policies. 
Dividends to stockholders, unpaid, . 
Commissions and brokerage, . . 
Return premiums, .... 
Gross liabilities, except capital, 

Surplus as regards policy holders, . 
Paid-up capital, ... 



Surplus over capital. 



f5,871 18 

8,431 25 

6,152 02 

137,107 61 

230,445 00 

53 00 

10,972 40 

6,579 07 



405,611 53 

$489,673 68 
250,000 00 

$239,673 68 



* Total valne of property mortgaged, , 
AmooDt of iDfaraDoe held at collateral, 



$720,900 00 
297,«50 00 



THE MECHANICS* INSURANCE CO. 



271 



Ikcohb. 

Fire prcminms oatstanding Dec. 81, 1895, 
Premiums on risks written or renewed, . 



^6,317 C3 
2S0,285 92 



Total, 1326.608 66 

Premiams now in course of collection, . . 43,502 84 



£ntire premiums collected, . . . 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 
Interest received on mortgages. 



1283,100 71 
64,564 89 



Interest and dividends received from all other sources, . 

Income from rents, 

Income from transfers and surveys, 

Deposits received for perpetual fire risks, . f 18,382 25 



1228,636 32 

18,119 84 

16,925 23 

3,211 74 

299 60 



Gross cash income, $267,092 23 




Expenditures. 
Cash paid for fire losses, 

Deduct salvage and reinsurance. 

Net cash paid for fire losses, . 

Cash dividends paid. 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

for repairs on real estate. 
Deposits returned on perpetual fire risks. 



Gross cash expenditures. 



$119,308 26 
899 70 



$6,696 75 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire rist^s written during 1896, 

Total, • • . • • 

Deduct risks expired and terminated. 

In force at end of year, . 

Perpetual risks in force (not incPd above). 



.$28,445,971 00 
• 29,179,485 00 

.$57,625,406 00 
. 31,206,370 00 

.$26,419,036 00 

$11,439,064 00 



Miscellaneous. 

Premiums received from organizi^tion of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company. 
Dividends declared during the year (8 per cent), . 
Company^s stock owned by directors, .... 



$118,408 66 
20,018 00 
60,813 20 
14,200 87 
4,725 85 
14,684 89 
258 29 



$233,109 66 

Prcmlami. 

$277,814 84 
280,285 92 

$558,100 76 
299,132 57 

$258,968 19 

$253,483 69 



$2330,344 00 

1,519,408 00 

99,694 00 

480,660 00 

20,000 00 

47.725 00 



272 



MEROHANTS' INSURANCE CO. 



"MERCHANTS' INSURANCE COMPANY OF NEWARK," 

NEWARK, N. J. 

[Ineorporated Feb. 18, 1868. Commeneed budneM April 18, 1868.] 

PAiB>np Capital, $400,000. 
G. LBB STOUT, PrtiidtnU J. R. MULLIKIN, Stcrtiaiy. 



Detailed Statement of Stocks 



United States bonds, .... 
New Jersey Soathern Railroad bonds, . 
Long Branch & Sea Shore Railroad bonds. 
Midland Railroad of New Jersey bonds, . 
Newark & Bloomfield Horse Car R R. bonds, 
Belleville & Newark Horse Car R.R. bonds, 
Irvington & Newark Horse Car R.R. bonds, 
American Dock and Improvement bonds, 
lx>ng Branch school bonds. 
North Hudson County R.R. bonds, . 
Newark Gas Company bonds, . 
Newark Pass. Railroad Company bonds, . 
Elizabeth City bonds, .... 
Underwriters' Prot. Asso'n, Newark, bonds, 
Warren Railroad Company stock, . 
United New Jersey R.R. & Canal Co. stock, 
Morris & Essex R.R. stock. 



Securities held as collateral for cash loans : — 



Newark Gas Co. bonds, . 

Central Trust Co. (N. Y.) certificate. 



AND Bonds. 

Par VAloe. 
$25,000 00 

80,000 00 

6,000 00 

100,000 00 

10,000 00 
1,000 00 
8,000 00 

60,000 00 

9,000 00 

100,000 00 

76,000 00 

26,000 00 

60,000 00 
600 00 

86,060 00 
16,000 00 

26.000 00 



Market Valoe. 
$27,600 00 

81,200 00 

6,400 00 

117,000 00 

10,600 00 

1,080 00 

8.160 00 

67,260 00 

9.680 00 

103,000 00 

98.000 00 

26,260 00 

46.600 00 

600 00 

69.482 60 

86,626 00 

41,000 00 



1669,660 00 1668,167 60 



Market Valae. Loaned Thereon. 

$18,600 00 $13,000 00 
4,480 00 3.600 00 



$23,080 00 $16^500 00 



Summary of Assets Dec. 81, 1896. 

Cash value of unencumbered real estate, . $366,694 04 

Loans on mortgage of real estate (first liens *), 272,060 00 

Interest due or accrued thereon, . . , 4.890 19 

Stocks and bonds, as per schedule, . . . 668,167 60 

lx)ans on collateral security, as per schedule, . 16.600 00 

Cash in the ofiice of the company, . . . 10.966 63 

Cash deposited in bank, 69.909 66 

Interest duo and accrued, 4,117 66 

Premiums in course of collection (gross), . 172,966 92 

* Valae of lands mortgaged. ti64,iQ0 00 

Valoe of boildlDga thereoD, 413,760 00 

Amount of Inaoraoce held aa eoUatvnil, . . . • . 846,560 00 



merchants' insurance CO. 



273 



Rents due, 

Reiosurance on losses, already paid, 
Prem-s more than three mos. due, f^i^^^ ^^ 
Gross assets, 



$1,587 63 
22 48 



$1,667,760 39 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 



Total amount of losses. 
Less reinsurance. 



Net amount of unpaid lossses, . 

Unearned premiums on outstanding risks. 

Unpaid scrip ordered to be redeemed. 

Interest due or accrued on sci'ip. 

State and local taxes. 

Commissions and brokerage, . 

Return premiums, .... 

Reinsurance, 

Miscellaneous, 

Gross liabilities, except capital. 



Surplus as regards policy holders, 
Faid-ap capital. 



$31,971 80 
60.177 80 
11,817 18 

$103,966 78 
2,671 61 

$101,395 27 

692,583 78 

379 00 

83 08 

1,742 74 

26,880 12 

24,041 65 

5,789 18 

5,840 67 



Surplus over capital. 



868,735 29 

$709,025 10 
400,000 00 

$309,025 10 



Incoue. 

Fire premiums outstanding Dec. 31, 1895, 
Same not collected, 



Net collected, 

Premiums on risks written or renewed, . 



$139,917 03 
6,833 71 

$133,083 32 
1,141,227 67 



Total $1,274,310 89 

Premiums now in course of collection, . . 174,475 33 



Entire premiums collected. 
Lets reinsurance and return premiums, . 
Net cash fire premiums received. 
Interest received on mortgages , 



. $1,099,835 56 
212,309 63 



Interest and dividends received from all other sources, . 
Income from all other sources, 



$887,525 93 
15,429 39 
39,674 41 
16,757 47 



Gross cash income, $959,387 20 



274 



MERCHANTS INSURANCE CO. IN PROVIDENCE. 



EXPENDITUREft. 

Cash pnid for fire losses, $512,870 69 

Deduct salvage and reinsarance, . . . 82,065 99 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for redemption of scrip, 

Interest paid sen p holders, 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

for general expenses, 



$480,804 70 

82,000 00 

600 

1 44 

166369 62 

52,085 86 

84,723 38 

120,530 20 



Gross cash expenditures, $887,021 20 

Risks and Premiums. 

?rcintontt> 

Fire risks outstanding Dec. 81, 1895, . $122,562^18 00 $1,840,964 04 
Fire risks written during 1896, . . 105,836,893 00 1,141,227 57 



Total 

Deduct risks expired and terminated. 

In force at end of year. 
Deduct amount reinsured. 

Net amount in force, . 



$228,399,211 00 $2,482,191 61 
96,255,337 00 1,094,206 35 



$132,143,874 00 $1,387,985 26 
6,544,093 00 56,961 29 



$125,599,781 00 $1,881,023 97 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends di'clared from organization of company. 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$15,289,402 00 
8,725,916 00 
469,776 00 
964,219 00 
32,000 00 
90,450 00 



"MERCHANTS' INSURANCE COMPANY IN PROVIDENCE.^ 

PROVIDENCE, R. I. 

[Incorporated If ay, 185L Oommeneed bntlQeu Jnly, 1861.] 
Paid-up Capital, $200,000^ 

W. T. BARTON, Fretident. W. P. GOODWIN, Seerttarg. 



Detailed Statement of Stocks ai7D Bonds. 

P*r Talae. 

200 shares Chicago & Northwestern R.R. Co., 
200 •• New York Central Railroad Co., . 
100 '* Illinois Central Railroad Co., 
100 '* Michigan Central Railroad Co., . 



$20,000 00 
20,000 00 
10,000 00 
10,000 00 



Market TilM. 

(20,400 00 

18,800 00 

9.300 00 

9,300 00 



MERCHANTS INSURANCE CO. IN PROVIDENCE. 



275 



1,600 shares National Bank of Commerce, 



1,000 
400 
200 
5dO 
200 
257 
103 
100 
5 



M 



M 



U 



U 



M 



AmericaD National Bank, 
Merchants^ National Bank, 
Globe National Bank, . 
Providence Gas Company, 
Phenix National Bank, . 
Mechanics^ National Bank, 
Manufacturers^ National Bank, 
St Paal & Daluth Railroad, 
Underwriters' Salvage Company, 
Chicago, Burlington & Northern R E. bonds, 
Eastern Railroad of Minnesota bonds, 
Lowell Street Railway Company bonds, . 
Minneapolis Street Railway Company bonds, 
Watehemoket Fire District bonds, . 
United States bonds, 



Par Valii«. 
180,000 00 

60,000 00 

20,000 00 

10,000 00 

27,500 00 

10,000 00 

12,850 00 

10,200 00 

10,000 00 

500 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

25,000 00 



Market Valae. 

$65,600 00 
43,500 GO 
25,200 00 
10,700 00 
46,750 00 
14,600 00 
13,621 00 
14,280 00 
8,500 00 

10,300 00 
10,400 00 
5,000 00 
4,750 00 
10,400 00 
27,625 00 



$356,050 00 $369,026 00 



Securities held as collateral for cash loans : — 

New Haven & Derby Railroad bonds, 
Wisconsin Central Improvement bonds, . 
13 shares Boston & Providence Railroad, 
5 shares National Bank of Commerce, . 



Market Value. Loaned Thereon. 
$4,400 00 

1,700 00 

3,380 00 
205 00 



$7,065 50 



$9,685 00 $7,065 50 

SuHHART Of Assets Dec. 31, 1896. 

Loans on mortgage of real estate (first liens *), $92,750 00 

Interest due or accrued thereon, . . . 955 04 

Stocks and bonds, as per schedule, . . . 369,026 00 

Loans on collateral security, as per schedule, . 7,065 50 

Cash in the office of the company, . . . 1,645 95 

Ca5h deposited in bank, 57,193 38 

Intere^ due and accrued, 2,095 83 

Premiums in course of collection (gross), . 35,330 80 

Gross assets,t $566,062 50 

Liabilities. 

Losses adjusted, unpaid, $4,198 63 

Losses claimed and reported, .... 17,056 42 

Unearned premiums on outstanding risks, . 193,842 86 

State and local taxes 289 59 

Commissions and brokerage, .... 2,606 39 

* Valae of lasda mortgaged, ....... $105,000 00 

Value of bnlldinga tiiereoo, ....... 197,000 00 

AmoQBt of inauraoea held aa oollateral, 134,000 00 

t Inehidlog $50,000 apedal reserve fand beld ander Rhode laland law. 



276 KEBCHANTS' INBUBANGE OO. IN PROVIDENCE. 

Office furniture, $3,900 00 

Reinsuraoce disallowed, 166 88 

Gross liabilities, except capital, . . $222,060 71 

Surplus as regards policy holders, $344,001 79 

Paid-up capital, 200,000 00 

Surplus over capital, fl^iOOl 79 

Income, 

Fire premiums outstanding Dec. 31, 1895, . $39,073 66 
Same not collected, 319 32 

Net collected, $38,754 34 

Premiums on risks written or renewed, . . 818,059 05 

Total, $356,813 39 

Premiums now in course of collection, . . 35,330 80 

Entire premiums collected, .... $321,482 59 
Less reinsurance and return premiums, . . 46,656 11 

Net cash fire premiums received, . . . $274^26 48 

Interest received on mortgages, 4,630 10 

Interest and dividends received from all other sources, . . 17,624 82 

Gross cash income, $297,081 40 

Expenditures. 

Cash paid for fire losses, $128,005 65 

Deduct salvage and reinsurance, . . 5,406 03 

Net cash paid for fire losses, .... $122,599 62 

Cash dividends paid, 12,000 00 

Cash paid for commissions and brokerage, .... 52,085 43 

for salaries of ofilcers and employees, . . . 42,035 92 

for State and local taxes, 7,678 36 

for premiums charged to profit and loss, . . 2,228 83 

Gross cash expenditures, $238,623 16 

Risks and Premiums. 

PraiilniiiB. 

Fire risks outstanding Dec. 31, 1895, . . $82,279,946 00 $379,837 51 
Fire risks written during 1896, . . . 26,753,845 00 818,059 05 

Total, $59,033,791 00 $697,896 56 

Deduct risks expired and terminated, . . 26,037381 00 311,898 68 

In force at end of year, $32,995,960 00 $385,997 88 

Deduct amount reinsured, .... 672,417 00 7«822 89 

Net amount in force, $32,323,543 00 $378,174 99 



MICHIGAN FIRE AND MARINE INSURANCE CO. 



277 



Miscellaneous. 

Premiams received from organization of company, . . 1^,073,866 00 

Losses paid from organization of company, .... 5,814,871 00 

Fire losses incurred daring the year, 123,191 00 

Cash dividends declared from organization of company, . 734,000 00 

Dividends declared during the year, 12,000 00 

Company *8 stock owned by directors, 44,100 00 



-MICHIGAN FIRE AND MARINE INSURANCE COMPANY," 

DETROIT, MICH. 

[Incorporated Fabroary, 1881. Commenced bastneas ICarch, 1881.] 

Paid-up Oapital, $400,000. 
D. WHITNBY, Jb., PreHdent, F. H. WHITNET, Secretary, 



Detailed Statement of Stocks and Bonds. 

Par Value. 

People^s Savings Bank stock, .... 1^*000 00 
Cheboygan County bonds, .... 12,60000 

Detroit citv bonds, 

Marquette city bonds, 



10,025 00 
82.000 00 



Market Value. 
18,600 00 
12,500 00 
10,025 00 
88,600 00 



$69,526 00 $64,626 00 



Securities held as collateral for cash loans : — 



Deed of real estate. 



Harket Valae. Loaned Thereon. 

$10,000 00 $8,226 60 



SUHMART OF AsSETS DeC. 81, 1896. 



Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in courae of collection (gross). 
Bills receivable for fire risks, . 

Gross assets, 



$78,909 18 

666,887 68 

18,420 66 

64,626 00 

8,226 60 

18,144 66 

24,090 28 

1,217 80 

64,921 67 

416 06 



$810,807 89 



* Value of Unda mortgaged, $980,467 00 

Value of boUdtnga thoreoo, • 564,660 00 

Amoant of tnsaraDce held a« coIUtoral, 351,280 00 



278 



MICHIGAN FIBE AND MABINE INSURANCE CO, 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted. 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums, .... 

Reinsurance, 

Reinsurance disallowed, . 

Gross liabilities, except capital, 



Surplus as regards policy holders, 
Paid-up capital. 



$7,248 72 

4,188 76 

1,900 00 

210,708 21 

11,817 89 
8,418 78 
1,699 86 
2,418 99 



$242,901 15 

$567,906 74 
400,000 00 



Surplus over capital, $167,906 74 



Income. 

Firo premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



$61,908 46 
844,402 03 



Total $406,810 49 

Premiums now in course of collection, . . 55,337 73 



$350,972 76 
70,222 24 



Entire premiums collected, .... 
Less reinsurance and return premiums, . 

Net cash fire premiums received, . . , 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income trom rents, 



$280,750 52 

85,2.SS 54 

8,937 81 

361 47 



Gross cash income, $320,283 34 



'EXPENDFTURES. 

Cash paid for fire losses, $168,383 05 

Deduct salvage and reinsurance, . ... 8,540 59 

Net cash paid for fire losses, . . . $159,842 46 

Cash dividends paid, 36,000 00 

Cash paid for commissions and brokerage, . . . • 51,665 75 

for salaries of ofilcers and employees, . . . 15,11184 

for State and local taxes, 16,216 40 

for general expenses, 28,906 16 

Gross cash expenditures, $307,742 61 



inDDLESEX MUTUAL ASSURANCE GO. 



279 



Risks and Premiums. 

Fire risks outstanding Dec. 31, 1895, . . $38,063,216 00 
Fire risks written during 1896, « . . . 27,728,173 00 



Total, 

Deduct risks expired and terminated. 



$65,791,389 00 
29,661,167 00 



In force at end of year 136,130,222 00 

Deduct amount reinsured, .... 1,735,986 00 



Premlnms. 

$471,950 92 
344,402 03 

$816,352 95 
378,344 73 

$438,008 22 
21,602 36 



Net amount in force, $34,394,236 00 $416,405 86 



Miscellaneous. 

Premiums received from organization of company. 

Losses paid from organization of company, . 

Fire losses incurred during the year. 

Cash dividends declared from organization of company 

Dividends declared during the year (9 per cent), . 

Company^s stock owned by directors. 




$5,453,743 00 

2,930,739 00 

146,742 00 

218,000 00 

36,000 00 

207,950 00 



"MIDDLESEX MUTUAL ASSURANCE COMPANY," MIDDLE- 
TOWN, CONN.* 

[Ineorpontad Jane 2, 1885. Commenoed batineet Jnne 18, 1836.] 
0. VINOBNT GOFPIN, President. O. W. HARRIS, Secretary, 



Detailed Statement op Stocks 



Middletown, Conn., town bonds, 
Portland, Conn , town bonds, . 
Jeffersonville, Ind , city bonds, 
ETansville, Ind., city bonds, 
Delaware & Hudson Canal Company bonds, 
American Water Works bonds, 
Nebraska Loan & Trust Company bonds, 
N. Y., New Haven & Hartford Railroad bonds 
200 shares N.Y. Cent. & Hudson River R.R., 
Chic, Rock Island & Pacific R.R., 
New York, New Haven & Hart. R.R. 
Chicago^ Burlington & Quincy R.R. 
Chicago & Northwestern Railroad 
Middletown National Bank, Conn. 
First Nat^l Bank', Middlet^n, Conn. 
Middlesex Co. N'l B'k, Middletown 
Central Nat^l Bank, Middletown, 
First National Bank, Portland, 



250 


4( 


400 


a 


200 


u 


300 


II 


150 


u 


iO 


u 


85 


u 


SO 


M 


lU 


M 



AND Bonds. 

Par Value. 
133,000 00 

100,000 00 

10,000 00 

6,000 00 

10,000 00 

10.000 00 

81,000 00 

15,000 00 

20,000 00 

25,000 00 

40,000 00 

20,000 00 

30,000 00 

11,250 00 

4,000 00 

8,600 00 

2,250 00 

1,000 00 



Market Valne. 
J83,000 00 

100,000 00 

10,000 00 

6,000 00 

14,200 00 

8,000 00 

81,000 00 

20,250 00 

18,400 00 

16,876 00 

70300 00 

18,850 00 

35,600 00 

15,000 00 

4,000 00 

7,650 00 

2,400 00 

1,000 00 



$426,000 00 $466,526 00 



* A mutual eoiapADy. 



280 MIDDLESEX MUTUAL ASSURANCE CO. 



Summary of Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, . $200,000 00 
Loans on mortgage of real estate (first lie|^s *), 55,000 00 

Stocks and bonds, as per schedule, . . . 456,525 00 

Cash deposited in bank, 20,579 50 

Premiums in course of collection (gross), . 21,709 38 

Gross assets, ...... f 758,813 83 

Liabilities. 

Losses adjusted, unpaid, $7,348 90 

claimed and repoited, .... 4,389 66 

disputed or resisted, . . .' . 1,300 00 

Unearned premiums on outstanding risks, . 173,674 00 

State and local taxes, 3,060 32 

Commissions and brokerage, .... 5,427 33 

Reinsurance disallowed, 106 50 

Gross liabilities, except capital, ..... 195,301 71 

Surplus as regards policy holders, $558,512 12 

Income. 

Fire premiums outstanding Dec. 31, 1895, . $1^.333 34 
Premiums on risks written or renewed, . . 104,060 94 

Total, $122,394 28 

Premiums now in course of collection, . . 21,709 33 

Entire premiums collected, . . . . $100,684 95 
Less reinsurance and return premiums, . . 7309 67 

Net cash fire premiums received, , . . $92,875 28 

Interest received on mortgages, 1,350 00 

Interest and dividends received from all other sources, . . 21,639 15 

Income from rents, 9,964 16 

Gross cash income, $125328 59 

Expenditures. 

Cash paid for fire losses, $65,283 86 

for commissions and brokerage, .... 14,436 23 

for salaries of officers and employees, . . . 14,300 00 

for State and local taxes, 5,908 67 

for general expenses, 12,560 87 

Gross cash expenditures, $112,489 63 

* Vaiae of lands mortgaged, $27.d00 00 

Value of balldtnga thoreoa, 168»200 00 

Amoant of toauruoce btild aa eoUateral, 00,650 00 



HILLEBS" AND MANUFACTURERS* INSURANCE CO. 281 



Risks and Pbemiums. 

Premlumi. 

Fire risks outstanding Dec. 31, 1896, . |40,249,277 00 $821,217 82 
Fire risks written during 1896, . . . 14,024,466 00 104,060 94 



Total $54,273,748 00 $426,278 76 

Deduct risks expired and terminated, . . 12,770,441 00 86,816 74 

In force at end of year, .... $41,603,302 00 $338,463 02 

Deduct amount reinsured, .... 28,260 00 308 44 

Net amount in force, . . . $41,480,062 00 $338,164 68 

Miscellaneous. 

Losses paid from organization of company, .... $897,644 00 

Fire losses incurred during the year, 66,283 00 



"MILLERS' AND MANUFACTURERS' INSURANCE COMPANY," 

MINNEAPOLIS, MINN.* 

[Reincorporated July 1, 1891. Commeneed basineM Aagnat, 1865.] 
C. B. SHOVE, Preaideni, F. S. DAKFORTH, Secretary, 

Detailed Statement of Stocks and Bonds. 



First National Bank, Minneapolis, . 

Nicollet National Bank, Minneapolis, 

National Bank of Commerce, Minneapolis, 

Merchants' National Bank, St Cloud, 

Globe Fire Insurance Company, New York, 

Hardwood Manaf:ieturing Co., Minneapolis, 

Northwestern Consolidated Milling Co. bonds, 2,000 00 2,000 00 



Par VAlae. Market VaIqc. 

$13,000 00 $13,000 00 

17,000 00 17,000 00 

6,000 00 5,000 00 

1,000 00 1,000 00 

6,000 00 6,000 00 

10,000 00 10,000 00 



$53,000 00 $53,000 00 
Securities held as collateral for cash loans : -^ 

Market Value. Loaned Thereon. 

Merriman Barrows Company stock, . . $20,000 00 $10,000 00 
Mortgage bonds, 9,000 00 6,600 00 

$29,000 00 $16,500 00 

Summary of Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, . $68,626 00 
Loans on mortgage of real estate (first liens f ), 41,800 00 
Interest due or accrued thereon, . . . 1,482 60 

* A mntoml company. 

t Value of property mortgaged. • . $63,000 00 

Amount of Insnrmoee held aa oollmterAl, • . • . . 12,100 00 



282 millers' and manutacturers' insurance CO. 



Stocks and bonds, as per schedule, . . . 1^3,000 00 

Loans on collateral security, as per schedule, 16,500 00 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued. 

Premiums in course of collection (gross). 

Rents due and accmod, .... 



Gross assets, 



4,172 70 

22,988 44 

1,925 76 

20,767 32 

161 91 



t23r,a63 62 



Liabilities. 

Losses adjusted, unpaid, tl9,224 14 

Losses claimed and reported, .... 3,260 00 

Unearned premiums on outstanding risks, . 92,624 74 

Commissions and brokerage, .... 1,808 88 

Reinsurance disallowed, 8,669 47 

Gross liabilities, 119,966 78 



Surplus as regards policy holders, f 111,396 89 



Income. 

Fire premiums outstanding Dec. 31, 1896, • f7,414 96 

Premiums on risks written or renewed, . . 220,919 63 



Total, t228,834 49 

Premiums now in course of collection, . . 20,767 82 



Entire premiums collected, .... f 207,567 17 
Less reinsurance and return premiums, . . 29,689 92 

Ket cash fire premiums received, . . . $177,977 25 

Interest and dividends received from all sources, . . . 1,061 52 

Income from all other sources, 8 oO 

Gross cash income, tl79,082 27 



Expenditures. 

Cash paid for fire losses, f 90,674 9S 

Cash dividends paid 17,672 38 

Cash paid for redemption of scrip, 5 50 

for commissions and brokerage, .... 11,81081 

for salaries of ofiicers and employees, . . • 18,737 00 

for State and local taxes, 1,334 16 

for rent and incidentals, 20,006 76 

Gross cosh expenditures, . • f 160,641 54 



MILWAUKEE UECHANICS' IN8UBANCE CO. 



283 



Risks and Prehiubis. 

Cftth PT«m*8. Contlng*t Prem*f . 

Fire risks outsVg Dec. 81, 1895, 16,736,158 00 f 188,323 09 $402,413 85 

Fire risks written during 1896, . 9,830,245 00 220,919 53 131,958 92 

Total, .... $16,566,408 00 $359,242 62 $534,372 77 

Deduct risks expired and t'm'd, 6,405,088 00 166,836 20 170,288 38 

Id force at end of jcar, . . $10,161,315 00 $192,406 42 $364,084 39 
Deduct amount reinsured, . 310,775 00 7,118 93 



Net amount in force, . . $9,850,540 00 $185,887 49 



Miscellaneous. 

Losses paid from organization of company, . 
Fire losses incurred during the year,' 



$967,398 00 
93,304 00 



"MILWAUKEE MECHANICS' INSURANCE COMPANY," 

MILWAUKEE, WIS. 

[Incorporated Fab. 15, 1892. Clommenead bnalneM April 1, 1862.] 

Paid-up Oapitax., $200,000. 
CQRI8TIAN PREU88ER, Pre$idenL ADOLF J. CRAMER, Secretary. 



Detailed Statement of Stocks 



Milwaukee Coanty bonds, 

Milwaukee city bonds. 

Brown Coanty, Wis., bonds, 

Osbkosh City, Wis., bonds. 

La Crosse City, Wis., bonds, 

St Paul, Minn., bonds, 

Ranuey County, Minn., bonds. 

Mil Underwriters^ Building Asso. stock 

Sanitary Dist. of Chicago bonds. 



AND Bonds. 

Par VAloe. 

123,000 00 

272,000 00 

28,000 00 

21,000 00 

35,000 00 

225,000 00 

100,000 00 

2,035 00 

60,000 00 



Market YAloe. 

f 25,300 00 

290,940 00 

29,680 00 

22,190 00 

37,100 00 

261,600 00 

110,000 00 

2,192 20 

62,875 00 



$766,035 00 $821,777 20 



SUHMARY OF ASSETS DeC. 31, 1896. 

Cash value of unencumbered real estate, . $45,000 00 

Loans on mortgage of real estate (first liens *), 1,209,011 38 

Interest due or accrued thereon, . . • 89,47102 

Stocks and bonds, as per schedule, . . . 821,777 20 

* Vftlae of landa mortgaged, $1,834,240 00 

Value of balldinga thereoo, 1,088,080 00 

Amoiut of iMaranie huM a« colJateral, . • . . 037,250 00 



284 MILWAUKEE MECHANICS* INSURANCE CO. 

Cash in the office of the compaDj, . . . $34^53 54 

Cash deposited Id bank, 85,136 72 

Interest due and accrued, 5,930 75 

Premiums in course of collection (gross), . 159,486 32 

Gross assets, 12,400,866 93 

Liabilities. 

Losses adjusted, unpaid, tl0,169 26 

claimed and reported, .... 25,871 00 

disputed or resisted, .... 10,450 00 

Unearned premiums on outstanding risks, . 817,299 68 

Commissions and brokerage, .... 31,897 26 

Reserve for reinsurance, 51,458 91 

Gross liabilities, except capital, . . 946,641 11 

Surplus as regards policy holders, $1*453,725 82 

Paid-up capital, 200,000 00 

Surplus over capital, $1,258,725 82 



Ikoohe. 

Fire premiums outstanding Dec. 81, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection. 

Entire premiums collected. 
Less reinsurance and return premiums. 
Net cash fire premiums received, . 
Interest received on mortgages, 



tl36,182 52 
1,209,856 78 

$1,845,539 25 
159,486 82 



11,186,052 98 
226,041 11 



Interest and dividends received from all other sources, . 

Income from rents, 

•• Conscience fund," 



$960,011 82 
59,104 78 
86,042 85 

800 00 
500 



Gross cash income, t^*0^>^^^ ^^ 



EXPENDITCHES. 

Cash paid for fire losses t508,546 49 

Deduct salvage and reinsurance, . . . 54,608 81 

Net cash paid for fire losses, .... 

Cash dividends paid, ..... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for general expenses. 

Gross cash expenditures, . . , • 



(458,987 68 
70,000 00 
250,724 61 
68,79) 68 
86,178 88 
64,261 56 

1938,895 41 



BfUTUAI* FIBE INSUBAXCE CO. IN THE CITY OF NEW YORK. 285 



Risks and Premiums. 

Premtams. 

Fire risks ouUtandiDg Dec. 81, 1895, . $118,164,407 00 tlt6S4,887 86 
Fire risks wriUen during 1896, . . . 87,785,599 00 1,209,856 78 

Total, • • • . . 

Deduct risks expired and terminated, 

In force at end of year, . . , 
Deduct amount reinsured, 

Net amount in force, . 



$200,900,006 00 $2,744,244 09 
. 76,223,309 00 1,098,548 46 



$124,676,697 00 $1,645,695 68 
. 8,804,934 00 102,408 42 



$116,871,768 00 $1,548,287 21 



MiSCEXLANEOUS. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash di^'idends declared from organization of company, 
Dividends declared during the year (85 per cent ), 
Companj^s stock owned by directors, • . . . 



$12,847,169 00 
. 6,171,124 00 
. 418,955 00 
. 690,000 00 
70,000 00 
82,410 00 



-MUTUAL FIRE INSURANCE COMPANY IN THE CITY OF 

NEW YORK,'' N. Y. 

[Incorporated Feb. 1, 1860. Commenced baelncM Jane 19, 1882.] 

Paid-up Capital, $225,000. 
R. A. LOBW£NTHAL, PrttidtnU WM. A. FRANCIS, Seerttary. 



Detailed Statement op Stocks 



United States bonds, .... 

District of Columbia bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Chicago & Northwestern Railroad bonds, 
28<J shares Mercantile National Bank, 

*• Importers^ & Traders' NaVl Bank, 
^ Citizens' National Bank, 
** Columbia Bank, 
** National Park Bank, 
*' Fire Asso. of New York, 



117 
2*.)0 
118 
16 
100 



ANB Bonds. 

Par Value. 

1312,000 00 

228,500 00 

25,000 00 

16,000 00 

28.000 00 

11,700 00 

5,000 00 

11,800 00 

1,600 00 



Market Value. 

$369,565 00 

258,205 00. 

32,500 00 

18,040 00 

51,800 00 

64,350 00 

7,000 00 

26,550 00 

4,275 00 

125 00 



$639,500 00 t8d2,400 00 



SuHMAKr OF Assets Dec. 31, 1896. 

Stocks and bonds, as per schedule, . . . 1832,400 00 
Cash in the office of the company, . . . 4,317 15 

Cash deposited in bank 111,428 24 



286 MUTUAL FIRE INSUBANGE CO. IN THE OITr OF NEW TORK. 

Interest due and accrued, $6,000 00 

Premiums in course of collection (gross), . 94,319 76 

Gross assets, (1,0:18,465 15 

Deduct special deposits in other States, 46,400 (K) 

Balance, 11,002,065 15 

LlABILITfCS. 

Losses claimed and reported, .... (48,368 53 

Losses disputed or resisted, .... 1,000 00 

Unearned premiums on outstanding risks, . 288,188 43 

Due for borrowed money, .... 200,000 00 

Commissions and brokerage, .... 9,600 00 



Gross liabilities, except capital, . . $547,106 96 
Deduct liability on special deposits, . . 11,421 97 



535,684 99 



Surplus as regards policy holders, $466,380 16 

Paid-up capital, $225,000 00 

Scrip outstanding, not ordered to be redeemed, 823,063 00 

548,063 no 



Impairment of scrip, $81,6^52 84 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection. 

Entire premiums collected. 

Less reinsurance and return premiums. 

Net cash fire premiums received. 



(92,748 80 
841,671 53 

$934,414 83 
94,319 76 

$840,095 07 
286,066 80 



$554,028 27 

Interest and dividends received from all sources, . . . 26^78 41 



Gross cash income, $580,906 68 

Expenditures. 

Cash paid for fire losses, (400,827 31 

Deduct salvage and reinsurance, . . . 29,593 31 

Net cash paid for fire losses, .... $371,23400 

Cash dividends paid 21,944 28 

Interest paid scrip holders, 15,749 43 

Cash paid for commissions and brokerage, .... 105,706 82 

for salaries of officers and employees, . . . 85,750 02 

for State and local taxes, 23,330 16 

for general expenses, 64,085 63 

Gross cash expenditures, $687300 34 



NATIONAL FIRE INSURANCE CO. 



287 



Bisks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force. 



f60,965,027 00 
69,829,219 00 



Premlamt. 

$679,202 32 
841,671 63 



$120,294,246 00 $1,620,873 85 
79,332,206 00 935,488 99 



$40,962,041 00 $685,384 86 
1,896,767 00 16,306 99 



$39,666,274 00 $570,077 87 



Miscellaneous. 

Premiums i*eceived from organization of company, . . $9,728,802 00 

Losses paid from organization of company, .... 6,292,221 00 

Fire losses incurre<l during the year, 337,292 00 

Cash dividends declared from organization of company, . 826,668 00 

Dividends declared during the year, 21,944 28 

Compan^-^s stock owned by directors, 100,263 00 



••NATIONAL FIRE INSURANCE COMPANY OF HARTFORD," 

HARTFORD, CONN. 

[Incorporated Nov. 27, 1871. Oommenoed bmlDeM Dee. 1, 1871.] 

Paid-up Capital, $1,000,000. 
JAUE3 NICnOLS, PrtBideiU, E. O. RICHARDS, Secretary. 



Detailed Statement of Stocks and Bonds. 



Atchison, Topeka & Santa F6 R^y bonds, 
Bangor & Aroostook R.R. Co. bonds, 
Bristol & Piainville Tramway Co. bonds, 
Buffalo Railway Co. bonds. 
Cedar Rapids, la. Falls & Northw'n R'y Vds, 
Chesapeake & Ohio R^y bonds, 
Chicago, Burlington & Quincy R.R bonds, 
Chicago & Indiana Coal R^y Co. bonds, . 
Chicago, Milwaakee & St. Paul R.R. bonds, 
Chicago & Northwestern R R. bonds, 
Chicago & Western Indiana R.B. bonds, . 
Ciocinnati, Da} ton & Ironton R.R. bonds, 
CincinDatI, Hamilton & Dayton R.R. bonds, 
Cin., Indianapolis, St. Louis & Chic. R R. b^ds 
Cleve., Col., Cin & Indianapolis R.R. bonds, 
Cleveland, Ix)rainc & Wheeling R.R. bonds. 



Par Valae. 
f 11,500 00 

25,000 00 
10,000 00 
25,000 00 
48,000 00 
20,000 00 
46,200 00 
25,000 00 
60,000 00 
19,000 00 
18,000 00 
10,000 00 
16,000 00 
85,000 00 
85,000 00 
35,000 00 



Market Valae. 
f 7,450 00 
25,000 00 
10.000 00 
26,250 00 
50,400 00 
17,400 00 
49,240 00 
25,000 00 
68,700 00 
21,280 00 
18,900 00 
10,500 00 
17,700 00 
34,300 00 
44,800 00 
86,050 00 



288 



NATIONAL mUE INSURANCE GO. 



Columbus & Hocking Valley R.R. bonds, 
Columbus, Sandusky & Hocking R.R. bonds, 
Columbus, Sandusky & Hocking R.R. scrip, 
Columbus & Toledo R.R. Co. bonds, 
Danbury & Nor walk R.R. bonds, 
East Tenn., Virginia & Georgia R.R. bonds, 
Erie Railway Co. bonds, .... 
Evansville & Terre Haute R.R. bonds, . 
Evansv-ille, Terre Haute & Chicago R'y bonds 
Hannibal & St. Joseph Railroad bonds, . 
Hartford & Connecticut Western R.R. bonds, 
Houston & Texas Central R.R. bonds, 
Huntingdon & Broad Top Mt. R.R. & Coal Co , 
Indiana & Lake Michigan Ry. Co. certificates, 
Kanawha & Michigan Railway Co. bonds, 
Knoxville & Ohio Railroad bonds, . «. 
Louisville, New Albany & Chicago Ry. bonds 
Louisville & Nashville Railroad bonds, . 
Memphis & Charleston Railroad Co. ccrt*s, 
Mobile & Ohio Railroad Company bonds, 
Montana Central Railway Company bonds, 
Morgan^s La. & Texas R.R. & S S. Co. bonds, 
Naumkeag Street Railway Company bonds. 
New York, New Haven & Hartford R R cert'a 
Nodaway Valley Railroad Company bonds, 
Norfolk & Western Railroad certificates, 
Kortheni Pacific Kailroad Company bonds, 
Oregon Railway & Navigation Co. bonds, 
Philadelphia & Reading Coal & Iron Co. bMs, 
Piedmont & Cumberland Railway Co bonds, 
Rochester & Pittsburgh Railroad bonds, . 
Sandusky, Mansfield & Newark R.R. bonds, 
St. Paul, Minneapolis & Manitoba R.R. bonds 
St. Paul & Northern Pacific Railway bonds, 
St Louis, Alton & Terre Haute R.R. bonds, 
Seattle, Lake Shore & Eastern Ry. Co. cert's, 
Toledo & Ohio Central Railway Co, bonds, 
Union Pacific Railroad certificates, . 
Wabash Railroad Company bonds, . 
West Chicago Street R.R. Tunnel Co. bonds, 
West Va. Central & Pittsburg Ry. Co. bonds, 
Galveston city bonds, 
Georgia State bonils, 
Helena city tK)nds, . 
Lincoln city bonds, . 
Meriden town bonds. 
New Britain city bonds, . 
Richmond city bonds, 



Par Valoe. 
$10,000 00 

20,000 00 

3,264 20 
88,000 00 
10,000 00 
80,000 00 
20,000 00 
10,000 00 
10,000 00 
60,000 00 
10,000 00 
25,000 00 
26,000 00 
10,00J 00 
16,000 00 
20,000 00 
85,000 00 
10,000 00 
20.000 00 
13,000 00 
20,000 00 
10,000 00 
20,000 00 
80,000 00 

6,000 00 
22,000 00 

4,000 00 
20,000 00 
12,000 00 
26,000 00 
25,000 00 
40,000 00 
10,000 00 
85,000 00 
25,000 00 
20,000 00 
65,000 00 
80,000 00 
20,000 00 
86,000 00 
60,000 00 
26,000 00 
25,000 00 
20,000 00 
12,000 00 
10,000 00 

6,000 00 
66.900 00 



Mai%et y«li«. 

$10,000 00 

4,000 00 
847 00 
41,120 00 
11,000 00 
81,600 00 
27,000 00 

9,000 00 
10,000 00 
67^00 00 
10,(X)0 00 
26,000 00 
26,000 00 

8,000 00 
11,400 00 
22,400 00 
87,260 00 
11,600 00 
20,000 00 
16,080 00 
22,800 00 
12,000 00 
20,000 00 
89,900 00 

6,120 00 
12,100 00 

4,000 00 
22,000 00 
12,000 00 
25,000 00 
28,750 00 
41,600 00 
11,600 00 
42,000 00 
25.760 00 

7,600 00 
66,860 00 
30,000 00 
21,000 00 
86,'jOO 00 
62.600 CO 
26.000 00 
27,600 00 
21,400 00 
12.240 00 
10,000 00 

6,000 00 
69,912 00 



NATIOKAL FIRE INSURANCE CO. 



289 



U 



u 



Brooklyn Wharf and Warehouse Co bonds, . 
Galyeston Wharf Co bonds, .... 
School Dist No. 2, Springw's Tp., Mich , bMs, 
Suffield & Thorapsonville Bridge Co. bonds, . 
West Middle School District, Haitford, bonds, 

United States bonds, 

45 shares Atchison, Topeka & Santa Fe R.R , 
Belt K.R. & Stock Yard Co., Ind^is, 
Cleveland & Pittsburgh Railroad, . 
Chicago, Burlington & Quincy R.R., 
Chicago, Rock Island & Pacific R R., 
Ft. Wayne & Jackson Railroad, . 
Illinois Central Railroad, 
N. Y., New Haven & Hartford R.R., 
New York & Harlem Railroad, . 
N.Y. Central & Hudson River R.R., 
Oswego & Syracuse Railroad, 
Pennsylvania Railroad, . 
Peoria & Bureau Valley Railroad, 
Pitts., Fort Wayne & Chicago R.R., 
£tna National Bank, 
Boston National Bank, Boston, 
Charter Oak National Bank, . 
Central Natipnal Bank, N. Y., 

City Bank, 

Farmers^ and Mechanics^ N^l Bank, 
First National Bank, Meridcn, 
Hartford National Bank, 

I 

Mercantile National Bank, . 

National Exchange, 

NatU Bank of the Republic, Boston, 

N'l Bank of Commerce, Kan. City, 

Phoenix National Bank, . 

St. Paul National Bank, . 

Second National Bank, New Haven, 

Thames National Bank, Norwich, . 

Hartford City Gas Light Co., 

Northwestern Telegraph Co , 

Willimantic Linen Company, 



300 

200 

120 

S30 

200 

167 

750 

200 

500 

100 

760 

100 

200 

250 

70 

195 

50 

40 

100 

80 

509 

50 

SOO 

75 

10 

450 

70 

25 

100 

207 

500 

400 



M 



U 



u 



Par Valoe. 
$.50,000 00 

25,000 00 
12,000 00 
28,000 00 
26,000 00 
60,000 00 

4.500 00 
15,000 00 
10,000 00 
12,000 00 
83,000 00 
20,000 00 
16,700 00 
75,000 00 
10,000 00 
60,000 00 

6,000 00 
38,000 00 
10,000 00 
20,000 00 
25,000 00 

7,000 00 
19.500 00 

6,000 00 

4,000 00 
10,000 00 

8,000 00 
60,900 00 

6,000 00 
16,000 00 

7,500 00 

1,000 00 
46,000 00 

7,000 00 

2,500 00 
10,000 00 

6,175 00 
26,000 00 
10,000 00 



Market Valae. 
150,000 00 
26,000 00 
12.600 00 
28,000 00 
26,000 00 
65,000 00 
900 00 
10,500 00 
16,000 00 

7,920 00 
20.790 00 
23,600 00 
14,996 00 
130,600 00 
28,000 00 
46,000 00 

9,760 00 
39,520 00 
16,500 00 
32,000 00 
86,000 00 

6,950 00 
17,560 00 

6.250 00 

4.000 00 
11.000 00 

3.760 00 
70.242 00 

4,000 00 
18,000 00 
10,125 00 

1,000 00 

64,000 oa 

4,200 00- 

4,260 00 
14,600 00^ 

8,280 00 
27,600 00 

6,400 00 



12,278,639 20 12,460,892 00- 



SuuMARY OF Assets Dec 31, 1896 

Cash ralue of unencumbered real estate, . $239,911 22 

Loans on mortgage of real estate (first liens ♦), 770,413 97 

Stocks and bonds, as per schedule, . . . 2,460,892 00 



• YaIim of Uoda iBortgag«d, $1,240.100 00 

Ytlae of bnildinga Ukereoo 1.068.900 00 

Affloaot of tnfloraace bcld a« coUateral, .... 656,700 00 



290 



NATIONAL FIRE IN8UBANCE CX>. 



Cash ID office and in bank. 

Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 



$269,439 55 
879,603 56 



14,120,260 30 
127,500 00 



Balance, $3,992,760 SO 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted. 
Unearned premiums on outstanding risks,. 
Commissions and brokerage, . 

Reinsurance, 

Reinsurance disallowed, .... 



$63,752 64 
70.703 44 
87,306 15 
1,806.990 03 
65,268 05 
88,659 85 
78,438 67 



Gross liabilities, except capital. 
Deduct liability on special deposits. 



. $2,156,118 83 
48.499 48 



2,107,619 85 



Surplus as regards policy holders, $1,885,140 95 

Paid-up capital, 1,000,000 00 

Surplus oyer capital, $885,140 95 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection. 



Entire premiums collected. 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 
Interest received on mortgages. 



$2,254,240 76 

36,639 55 
Interest and dividends received from all other sources, . . 117,245 58 



$401,115 88 
2,709,084 26 



$3,110,200 14 
379,603 56 

$2,730,596 58 
476,355 82 



Gross cash income, . 



. $2,408,125 69 



Expenditures. 

Cash paid for fire losses, $1,178,726 41 

Deduct salvage and reinsurance, . • • 100,489 35 

Net cash paid for fire losses, .... $1,078,287 06 

Cash dividends paid, 100,000 00 

405,095 S9 

176,637 93 

64,787 99 

197,223 40 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, • 
for general expenses, 



Gross cash expenditures, $2,021,981 77 



NATIONAL STANDARD INSURANCE CO. 



291 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Risks and Premiums. 

PrsnilQiiif, 
•309,282,992 00 13312,507 26 
227,617,606 00 2,709,084 26 



Total, 

Dedact risks expired and terminated, 

Id force at end of year, . 
Deduct amount reinsured. 

Net amount in force. 



1536,800,498 00 16,521,691 62 
219,096,531 00 2,715,336 98 



♦317,703,967 00 13,806,255 54 
18,954,361 00 244,576 89 



1298,749,606 00 13,561,678 65 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Company^s stock owned by directors, .... 



122,004,716 00 
. 11,387,139 00 
. 1,039,425 00 
. 2,177,000 00 
. 100,000 00 
71,100 00 



"NATIONAL STANDARD INSURANCE COMPANY OF NEW YORK," 

NEW YORK, N. Y. 

[Ineofpormted Feb. 14, 1886. Commeoeed bntloeM Feb. 20, 1896.] 

PaiD'UP Capital, $200,000. 
E. C. COITVEBSK, PntideiU. R. BLBECEBR RATHBONB, Secretary. 

SUMMART OF ASSETS DeC. 31, 1896. 

United States bonds, $480,000 00 



Cash deposited in bank, .... 
Interest due and accrued, . . • . 
Premiums in coarse of collection (gross). 

Doe from secretary, 

Gross assets, 



liosses claimed and reported, 
U'ss reinsurance. 



Liabilities. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Gross liabilities, except capital, . 

Surplus as regards policy holders, . 
Paid-op capital, .... 



48,463 26 

3,666 67 

61,813 77 

11,296 89 



f 15,143 54 
1,950 63 

(13,192 91 

119,605 38 

15,544 13 

6,593 62 



1594,240 59 



154,936 04 

(439,304 55 
200,000 00 



Surplus over capital, $239,804 55 



292 



NEWARK FIBE INSURANCE CO. 



Income. 
Premiums on risks written. 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Ket cash fire premiums received. 

Interest and dividends received from all sources. 



$318,714 48 
61,818 77 

•266,900 71 
65,181 76 



•201,718 % 
11,248 82 



Gross cash income, 9212,967 28 



Expenditures. 
Cash paid for fire losses $29,466 27 

Deduct salvage and reinsurance, . . . 1,673 03 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, .... 

for salaries of ofiicers and employees, . 

for State and local taxes, 

for incidentals, 



$27,783 24 

65,218 96 

2,470 00 

2,703 58 

3,359 49 



Gross cash expenditures, $101,535 27 



Risks and Premiums. 



Fire risks written during 1896, 
Deduct risks expired and terminated, 



In force at end of year, , 
Deduct amount reinsured, 

Net amount in force. 



. $34,929,576 00 
. 6,101,940 00 



(28,827,636 00 
2,365,940 00 



PremlmiM. 

$318,714 48 
64.628 86 

$254,085 62 

14,874 86 



.$26,461,696 00 $239,210 76 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Company ^s stock owned by directors. 



$253,533 00 
27,783 00 
42,927 00 
92,000 00 



-NEWARK FIRE INSURANCE COMPANr," NEWARK, N. J. 

[Incorporated May 14, 1810. Goramenoed bntlnesi May 14, 1810.] 

Paid-up Capital, $250,000. 
JOHN J. HENBT, JYuident. FBAITK T. McBBIDS, ^•erflCory. 



DfiTAiLRD Statement of Stocks and Bonds. 

PwrYidiw. 

United States bonds, f 40,000 00 

West Shore Railroad bonds, .... 45,000 00 
Orange & Newark II. C. R.R. bonds, . 25,000 00 



lUrketYalM. 

144,000 00 
47,060 (0 
27,500 00 



NEWARK FIRE INSURANCE CO. 



293 



Essex Passenger Railroad bonds, • 

Morris & Essex Railroad stock. 

Underwriters' Protective Asso^n bonds, . 

Newark A South Orange H. C. R.R. bonds, 

Newark city water bonds, 

Hoboken Land and Improvement bonds, 

National State Bank stock. 

National Newark Banking Company stock, 

Newark City National Bank stock, . 

Newark & Irvington H. C. R.R. bonds, . 

Newark & Bloomfield H. C. R.R. bonds, . 



Par Valoe. 

$6,000 00 
20,000 00 

1,000 00 
20,000 00 

3,900 00 
26,000 00 
16,900 00 

7.700 00 
13,250 00 

2,000 00 

2,000 00 



Market Valne. 
$6,600 00 

82^00 00 

1,000 00 

20,000 00 

3,978 00 

26,260 00 

24,646 00 

12,706 00 

20,637 60 

2.080 00 

2,100 00 



Summary of Assets Dec. 

Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bsCnk, 

Interest doe and accrued, 

Premiums in course of collection (gross). 
Notes taken for fire risks, .... 

Rents due and accnied, 

Prem^s more than three mos. due, $3,022 81 
Gross assets, 

Liabilities. 



$226,760 00 $270,146 60 

31, 1896. 

$69,000 00 

277,726 00 

4,631 98 

270,146 60 

1,986 77 

31,961 17 

3,694 16 

17,486 16 

220 00 

133 33 



$666,874 07 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted. 



$1,798 94 

14,246 31 

1,966 28 



ToUl amount of losses, $18,009 63 



Less reinsurance, 



Net amount of unpaid losses, • # 

Unearned premiums on outstanding risks. 
Dividends to stockholders unpaid, . 
State and local taxes, .... 
Commissions and brokerage, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital. 



1,660 00 

$16,469 63 

120,828 99 

6,444 80 

31 12 

4,341 17 

60 00 



148,155 61 



Surplus as regards policy holders, $618,718 46 

Paid-up capital, 260,000 00 



Surplus over capital, 



$268,718 46 



• Vala« of lands mortgaged, $802,000 00 

Valoe of buUdlDga thereon, 467,100 00 

iimoont of Inraranoe held M collateral, .... 888,47ft 00 



S94 



NEWARK FIRE INSURANCE CO. 



Income. 

Fire premiums outstanding Dec. 81, 1895, 
Same not collected, 



Net collected, 

Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, • 

Entire premiums collected, .... 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 
Interest received on mortgages. 
Interest and dividends received from all other 
Income from rents, 



•19,905 08 
149 36 

f 19,756 67 
186,111 77 

9205,867 44 
20,728 97 

•185,138 47 
29,029 64 



sources. 



$156,108 83 

14,209 49 

12,627 40 

1,328 26 



Gross cash income, $184,273 98 



EXPENDrrURES. 

Cash paid for fire losses, $78,354 58 

Deduct salvage and reinsurance, . . . 5,217 11 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 



$73,137 47 
25,303 20 
80,347 37 
17,847 89 
8,088 56 
11,027 68 



Gross cash expenditures, $165,751 67 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated, 



In force at end of year, . 
Deduct amount reinsured. 

Net amount in force. 



. $27,940,572 00 
. 18^23,270 00 



. $46,763,842 00 
. 19,800,714 00 

. $26,963,128 00 
. 1,797,391 00 



PivniloiBi* 

$267,476 25 
186,111 77 

$453,588 08 
201 ,.585 57 

$252,003 45 
14370 59 



. $25,165,737 00 $237,131 86 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . • 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent.). 
Company's stock owned by directors, 



$4,998,901 00 

2,424,028 00 

66,039 00 

790,780 00 

85,000 OO 

45,425 00 



NEW HAMP8HIBE FIBE INSURANCE CO. 



295 



"NEW HAMPSHIRE FIRE INSURANCE COMPANY," 

MANCHESTER, N. H. 

[Ineorponted 1860. Commenced bualnees April, 1870.] 

Taid-ut Capital, $900,000. 

JOHN C. FKSNCH. PretidetU, GEO. B. KENDALL, Secreiarg. 



Detailed Statement of Stocks 



United States govern ment bonds, 
Citj of Cleveland, Ohio, bonds, 
City of Columbus, Ohio, bonds. 
City of Ashtabula, Ohio, bonds, 
City of Dayton, Ohio, bonds, . 
City of Salem, Mass., bonds, . 
City of East Portland, Ore., bonds, 
City of Tacoma, Wash., bonds. 
City of Seattle, Wash , bonds, . 
City of Lincoln, Neb., bonds, . 
City of Topeka, Kan., bonds, . 
City of Moorhead, Minn., bonds, 
Watertown & Rome Railroad bonds, 
Elaine Central Railroad bonds. 
New York & New England Railroad bonds, 
Boston, Concord & Montreal Railroad bonds, 
Concord & Montreal Railroad bonds, 
Chicago, Burlington & Quincy Railroad bonds 
Union Pacific Railroad " trust," 
Oregon Short Line Railroad bonds, . 
Chicago & West Michigan Railroad bonds, 
Chicago, Burlington & Northern R.R bonds, 
Montana Central Railroad bonds, . 
Lehigh Valley Terminal R'y Co. bonds, 
Hillsborough County, N. H., bonds, . 
Topeka, Kan., Water Supply Co bonds, 
Claremont, N. H., wat«r works bonds, 
Minneapolis Gas Light Co. bonds, . 
Central Loan and Land Co. bonds, . 
Johnson Loan and Trust Co. bonds, . 
National Loan and Trust Co. bonds, . 
Kaahua Card and Glazed Paper Co. bonds, 
Grand Forks Gas and Electric Co. bonds, 
Minneapolis General Electric Co bonds, 
Swi£t & Co., Chicago, bonds, . 
Soncook Valley Railroad stock, 
N, Y. Central & Hudson River R.R. stock, 
N. Y., New Haven & Hartford R R stock, 
Norwich & Worcester Railroad stock, 



AND Bonds. 

Par Vftlne. 

f 100,000 00 
60,000 00 
10,000 00 
10.000 00 
20,000 00 
10,000 00 
25,000 00 
25,000 00 
10,000 00 
21,000 00 
500 00 

6,000 00 
10,000 00 
10,000 00 * 
20,000 00 
50,000 00 
100,000 00 
48,000 00 
10,000 00 
10,000 00 
25,000 00 

5,000 00 
25,000 00 
25,000 00 
15.000 00 
20,000 00 

5,000 00 
20.000 00 
20,000 00 

9,000 00 
10,000 00 
10,000 00 

5,000 00 
25,000 00 
25,000 00 

4,000 00 
20,000 00 
30,000 00 

6,000 00 



Maftet Valae. 
»109,750 00 

52,000 00 

11,000 00 

10,400 00 

21,000 00 

10,200 00 

27,000 00 

27,000 00 

10,200 00 

21,420 00 

500 00 

6,000 00 
12,000 00 
10,600 00 
22,500 00 
60,000 00 
108,000 00 
49,700 00 

8,000 00 
11,000 00 
10.000 00 

5,000 00 
25,000 00 
26,250 00 
15,450 00 
20,000 00 

5,000 00 
20,800 00 
20,000 00 

5,400 00 
10,000 00 
10,000 00 

5,000 00 
2o,000 00 
25,0(K) 00 

4,800 00 
18,800 00 
63,4U0 00 

9,500 00 



^96 



KEW HAMP8HIBE FIBE INSURANCE CO. 



Peniigewassct Valley Railroad stock, 
Boston & Albany Railroad stock, 
Boston & Maine Railroad stock. 
Concord & Montreal Railroad stock, 
Delaware & Hudson Canal Company stock, 
Chicago, Burlington & Quincy Railroad stock 
Chicago & Alton Railroad stock, 
Illinois Central Railroad stock, 
Chicago, Rock Island & Pacific Railroad stock 
Chic. June. R^y & Union Stock Yards Co. stock 
Lake Shore & Michigan Southern R.R. stock 
Chicago & Northwestern Railroad stock, 
Chicago, Milwaukee & St. Paul R R. stock. 
Merchants^ NaOl B^k, Manchester, N. H., stock 
Merchants^ Nat'l B'k, Kansas City, Mo., stock 
Pemigewasset Natl B'k, Plym^th, N. 11., stock 
Berlin National Bank, Berlin, N. H., stock. 
First Natl Bank, Peterborough, N. H., stock. 
First National Bank, Concord, N. H., stock, 
Laconia National Bank, Laconia, N. H., stock 
Lancaster Trubt Co., Lancaster, N. H., stock, 
Exeter Banking Co., Exeter, N. H., stock, 
Amoskeag Mfg. Co , Manchester, N. H., stock 
Manchester Mills, Manchester, N. H., stock, 
Stark Mills, Manchester, N. H., stock, 
Quincy Railroad Bridge Company stock, 
PuUman^s Palace Car Company, 
Manchester, N. H., Gas Light Company stock 
Ameiican Express Company stock, . 
Adams Express Company stock, . • 



Par Valoe. 

f 26,000 00 

20,000 00 

80,000 00 

20,000 00 

20,000 00 

47,400 00 

20,000 00 

80,000 00 

20.000 00 

20,000 00 

80,000 00 

85,000 00 

20,000 00 

12.000 00 

4,500 00 

6,000 00 

2,500 00 

6,000 00 

7,500 00 

2,500 00 

2,500 00 

1,000 00 

10,000 00 

80,700 00 

10,000 00 

20,000 00 

80,000 00 

1,400 00 

10,000 00 

10,000 00 



Market YaIoc 

982,500 00 

40,000 00 

47.000 00 

83,000 00 

25,000 00 

88,180 00 

82,000 00 

27,600 00 

18,400 GO 

21,000 00 

46,200 CO 

85,000 00 

19,800 00 

15,600 00 

2,700 00 

7,800 00 

8,000 00 

6,500 00 

22,500 00 

2,875 00 

2,500 00 

1,000 00 

16,000 00 

80,700 00 

9,500 00 

88,000 00 

46,200 00 

8,400 00 

11,000 00 

14,500 00 



$1,352,500 00 $1,536,625 00 



Securities held as collateral for cash loans 

8 shares Manchester & Lawrence R.R., . 
2 " Moline Plough Co., Moline, 111., . 
Mortgage notes guaranteed, . 
800 shares Swift Refrigerator Trans. Co., 
240 " Exeter Manufacturing Co., . 
Exeter Manufacturing Co. bonds, . 
72 shares Pittsfield Aqueduct Co., . 
80 *• Pittsfield Gas Co., . 

Mortgage note, 

Toledo Traction Co. bonds, 



Market Yalae 
$1,800 00 ( 

2,000 00 : 

7,300 00 

38,000 00 

12,000 00 

12,000 00 

4,500 00 

1,800 00 

4,000 00 

89,000 00 



I 



Loaned Thcrran. 

$2,700 00 

6,100 00 
25,000 00 
10,000 00 
10,000 00 

5,000 00 

8,800 00 
80,000 00 



$117,400 00 $91,100 00 



KEW HAMPSHIRE FIRE INSURANCE CO. 297 



SuMUART OF Assets Dec. 31, 1896. 

Cash Talne of tinencumbered real estate, . f 64,657 31 

Loans on mortgage of real estate (first liens), 623,429 66 

Stocks and bonds, as per schedule, . . . 1,536,625 00 

Loans on collateral security, as per schedule, . 91,100 00 

Cash in the office of the company, . . . 336 92 

Cash deposited in bank, 108,219 15 

Premiams in course of collection (gross), . 156,842 44 

Gross assets, $2,581,210 48 

LlABTLTTIES. 

Losses adjusted, unpaid, $39,861 86 

claimed and reported, .... 51,975 00 

not reported, estimated, . . . 20,000 00 

Unearned premiums on outstanding risks, . 913,657 68 

Commissions and brokerage, .... 31,368 49 

Gross liabilities, except capital, . . 1,056,863 03 

Surplus as regards policy holders, • $1,524,347 45 

Paid-op capital, 900,000 00 

Surplus over capital, $624,347 45 

Income. 

Fire premiams outstanding Dec. 31, 1895, . $168,061 15 
Premiums on risks written or renewed, . • 1,238,966 42 



Total, $1,407,027 57 

Premiums now in course of collection, . . 156,842 44 

EDtire premiums collected, .... $1,250,185 13 
I.«S8 reinsurance and return premiums, . . 193,290 53 

Net cash fire premiums received, . . . $1,056,894 60 

Interest received on mortgages, 14,441 07 

Interest and dividends received from all other sources, . . 78,093 86 
Received for increased capital, . . • $100,000 00 

Gross cash income, $1,149,429 53 

Expenditures. 

Cash paid for fire losses, $552,861 37 

Deduct salvage and reinsurance, . . . 30,859 17 

Net cish paid for fire losses, .... $522,002 20 

Cash dividends paid, 64,000 00 

Cash paid for commissions and brokerage, .... 229,480 93 



298 NEW rORK FIBB INSURANCE CO. 

Cash paid for salaties of officers and employees, . . . f49,I99 66 

for State and local taxes, 82,563 93 

for general expenses, 60,704 82 

Gross cash expenditures, . f 947,95 1 04 

Risks and Premiums. 



Fire risks outstanding Dec. 81, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured, 



Ket amount in force, . 



Pmoionu. 

$128,886,172 00 $1,730,627 15 
106,311,144 00 1,238,966 42 



•238,647,316 00 12,969,593 67 
99,171,252 00 1,162,443 83 



1134,476,064 00 $1,807,149 74 
6,686.592 00 68,279 06 



$128,789,472 00 $1,738,870 68 



MrSCELLANEOUS. 



Premiums received from organization of company, . $13,430,680 00 
Losses paid from organization of company, .... 7,174,.547 00 

Fire losses incurred during the year, 487,044 00 

Cash dividends declared from organization of company, . 892,000 00 
Dividends declared during the year (8 per cent.), . . . 64,000 00 
Company^s stock owned by directors, . ' . . . . 281,300 00 



"NEW YORK FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April 18, 1832. Commenoed bQtloeM Dee. S2, 1882.] 

PaiD'UP Oafital, $200,000. 
AUGUSTUS C0L80N, PrtsidenU CHARLES A. HULL, Secretary. 

Detailed Statement of Stocks and Bonds. 

Pat Valoe. Market Yalm. 

United States bonds, 1 100,000 00 tl 10,750 00 

Consolidated stock (New York City), . . 100,000 00 90,000 00 
Brooklyn city. bonds, 55,000 00 55,000 00 

1255,000 00 f 255,750 UO 

Summary of Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, . f 100,000 00 

Stocks and bonds, as per schedule, . . . 255,750 00 

Cash deposited in bank, 14,679 73 

Interest due and accrued, .... 3,236 77 

Premiums in course of collection (gross), . 21,182 76 

Bents due, 75 00 

Gross assets, |394,S74 25 



NEW YORK FIBE INSURANCE CO. 299 



L1ABIUTIE8. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy holders, . 
Paid-up capital, 



Surplus over capital. 



1617 40 

66,742 90 

5,474 02 

3,169 90 



•76,004 22 

f 3 18,870 03 
200,000 00 



. •118,870 03 



Income. 



Fire premiums outstanding Dec. 31, 1895, . $21,786 43 
Premiums on risks written or renewed, . . 158,455 80 



Total, •180,242 23 

Premiums now in course of collection, . . 21,132 75 



Entire premiums collected, .... •159,109 48 
Less reinsurance and return premiums, . 25,018 66 

Net cash fire premiums received, . . . $134,090 82 

Interest received on mortgages, 176 25 

Interest and dlTidends received from all other sources, . . 7,002 26 

Income frooi rents, 4,009 04 



Gross cash income, •145,278 37 

Expenditures. 

Cash paid for fire losses, ^20,480 38 

Deduct salvage and reinsurance, . . . 61 96 

Net cash paid for fire losses, .... f 20,418 42 

Cash dividends paid 12,000 00 

Cash paid for commissions and brokerage, .... 12,54900 

for salaHf'S of officers and employees, • . . 23,350 08 

for State and local taxes, 3,674 63 

for general expenses, 5,970 28 

Gross cash expenditures, (77,962 41 

Risks and Premiums. 

Premlnini. 

Fire risks outstanding Dec. 31, 1895, . . •12,566,278 00 (118,140 26 

Fire risks written during 1896, . . . 18,514,198 00 158,455 89 

Total •31.080,476 00 •276,596 15 

Deduct risks expired and terminated, . . 15,387,958 00 140,225 89 

In force at end of year, ^15,692,518 00 •136,370 26 

Deduct amount reinsured, 845,780 00 2,884 47 



Net amount in force, $15,346,738 00 (133,485 79 



300 



NIAGARA FIBE mSURAKGE CO. 



Miscellaneous. 

Premiams received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent). 
Company's stock owned by directors, . . •• • 



«5,460<540 00 

2,439.769 00 

16,147 00 

1,454,000 00 

12,000 00 

69,000 00 



"NIAGARA FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[locorporated July, 1860. Commenced baiineM August, I860.] 
Paid-up Capital, $500,000. 
HAROLD nERaiCK, PrultUnU OEOROB W. DBWET, Stcr^arg, 



Detailed Statement of Stocks 



United States bonds, . 

New York city school bonds, 

New York city water bonds, 

Jersey City bonds, , 

Albany & Susquehanna bonds, 

Chicago, Mil. & St. P. Railway bonds. 

Lake Erie & Western Railway bonds, 

Morris & Essex Railway bonds, 

Chateaugay Ore & Iron Co. bonds, . 

St. Paul (Minn ) Gas Light Co. bonds, 

Town of Lake (III) Gas Co. bonds. 

Equitable Gas Light Co., Chicago, bonds 

American Dock Improvement bonds, 

James River Valley R.R. certificates, 

County of Essex, N. J., park bonds, 

New York & New England R'y Co. bonds, 

Wabash Railway Co. bonds, 

Ann Arbor Railway Co. bonds, . 

Chic, St. P., MinncapMis & Omaha R^y Co. b^nds 

Chesapeake & Ohio Railway Co. bonds. 

New York Central & H. R. R.R. bonds, 

Lehigh & Wilkesbarre Coal Co. bonds, 

Brooklyn Union Gas Co. bonds, 

Columbus & Toledo Railway bonds, 

Chicago & Erie Railway Co. bonds, 

Philadelphia & Reading Railway bonds, 

Lehigh Valley Railway bonds, 

Lehigh Coal & Navigation Co. bonds, 

850 shares American Exchange National Bank, 

200 ^* Chicago & Northwestern Railway, . 



AND Bonds. 

Par Vftlae. 
t66,000 00 

200,000 00 
60,000 00 
10,000 00 
28,000 00 
26,000 00 
20,000 00 
21.000 00 
26,000 00 
15,000 00 
20,000 00 
25,000 00 
10,000 00 
» 26,000 00 
20,000 00 
10,000 00 
20,000 00 
10,000 00 
15.000 00 
20,000 00 
6,000 00 
20,000 00 
10,000 00 
10,000 00 
20,000 00 
20,000 00 
25,000 00 
25,000 00 
85,000 00 
20,000 00 



Maifcet Vafan. 
970,850 00 

200,000 00 
60,000 00 
10300 00 
27,300 00 
29,000 00 

' 28,200 00 
28,770 00 
12,500 00 
16,750 00 
20,000 00 
24,250 00 
11,500 00 
10,000 00 
20,400 00 
12,000 00 
21,000 00 
7,800 00 
18,750 00 
21,400 00 
5,750 00 
20,600 00 
10,500 00 
11,200 00 
22,000 00 
16,000 00 
27,600 00 
25,500 00 
69,500 00 
80,400 00 



NIAOABA FIRE INSURANCE GO. 



301 



80 shares Add Arbor Railway, 
300 " N. Y., Lackawanna & Western R'y, 
134 '* Delaware & Hudson Canal Co., 

&) *■ Western National Bank, . 
2O0 '' Chicago, Milwaukee & St. Paul, . 



Par Talne. 
•2,000 00 

30,000 00 

13,400 00 

6,000 00 

20,000 00 



Market Value. 
1400 00 

34,500 00 

16,410 00 

6,700 00 

26,000 00 



•899,400 00 •946,730 00 



Summary of Assets Dec. 31, 1896. 



Cash value of unencnmbcred real est:ite. 

Loans on mortgage of real estate (first liens *) 

Interest due or accrued thereon. 

Stocks and bonds, as per schedule, . 

Cash in office and bank, . 

Interest due and accrued, . 

Premiums in course of collection (gross) 

Notes taken for fire risks, 

Rents due, ...... 

Due for reinsurance on losses paid, . 
Gross assets, f . . . . 

Deduct special deposits in other States, 



•982,000 00 

128,200 00 

1,763 08 

946,730 00 

123,439 17 

4,176 00 

269,617 31 

936 68 

8,372 00 

12,022 39 



•2,466,166 68 
66,000 00 



Balance, ^2,41 1,166 63 



Liabilities. 



Total amount of losses. 
Less reinsurance, 



Net amonnt of nnpaid losses, . 
Unearned premiums on outstanding risks 
Dividends to stockholders, unpaid, . 
Commissions and brokerage, . 
Reinsurance, ..... 
Reserve for contingent liability, 
Eeinsurance disallowed, . 



Gross liabilities, except capital, 
Deduct liability on special deposits. 




f 168,6 10 27 
21,371 76 

•147,138 62 

1,236,674 89 

262 60 

46,416 63 

9,439 30 

60,000 00 

60.968 31 

•1,648,899 06 
8,697 67 



1,540,201 38 



Sniplns as regards policy holders, •870,964 26 

Paid-np capital, 600,000 00 



Surplus over capital, (370,964 26 

* Total TBliie of property mortgaged, $2ftl,900 00 

▲moant of inanranoe held aa oollateral, 109,000 00 

t InehidiDg $260,000 ipecUl reeenre fond held under New York law. 



302 



NIAGARA FIRE INSURANCE GO. 



Ik COME. 

Fire premiums outstanding Dec. 31, 1895, 
Prcmiams on risks written or renewed, . 



(191,047 3t 
2.093,223 67 



Total (2,284,270 88 

E^eraiunis now in course of collection, . . 259,517 81 



Entire premiums collected, .... (2,024,753 57 
Less reinsurance and return premiums, . . 461,032 96 

Net cash fire premiums received, . . . $1,563,720 61 

Interest received on mortgages, 1,355 00 

Interest and dividends received from all other sources, . . 88,584 11 

Income from rents, 19,707 10 

Ilec^d for inland salvages in excess of amount paid for losses, 1,690 76 

Gross cash income, • . $1,625,057 58 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and reinsurance, 

^et cash paid for fire losses, . 

Cash paid for inland losses. 

Deduct salvage and reinsurance. 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and emplo3'ee3, 
for State and local taxes, . - . 
for genei*al expenses. 



$881,121 15 
100,180 40 

(648 83 
648 83 



Gross cash expenditures. 



$780,940 75 



49,996 00 
305,673 96 
144,326 06 

37,308 88 
127,533 88 

(1,445,779 53 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Risks and Pkemiuus. 

Pramiiifiifl. 

$279,577,658 00 $2,646,427 10 
206,955,622 00 2,098,223 57 



Total, 

Deduct risks expired and terminated. 

In force at end of year, , 
Deduct amount reinsured, 

Net amount in force. 



$486,533,280 00 $4,739,650 67 
190,509,959 00 2,008,338 68 



$296,023,321 00 $2,731,311 99 
38.171,715 00 378,640 94 



(257351,606 00 $2,352,671 05 



Miscellaneous. 

Premiums received from organization of company. 

Losses paid from organization of company, . 

Fire losses incurred during the year. 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent.). 

Company's stw^k owned by directors, 



$38,236,145 00 
21,041,662 00 
753.044 00 
2,434,000 00 
50,000 00 
132,050 00 



NORTHWESTERN NATIONAL INSURANCE CO. 



303 



-NORTHWESTERN NATIONAL INSURANCE COMPANY OF 
MILWAUKEE, WISCONSIN," MILWAUKEE, WIS. 

[Ineorpormtad Feb. 20, 1860. Commenoed bii«tn«M July 1, 1869.] 

PiED-vp Capital, $600,000. 

ALFRED JAMBS, lYetident, WILFORD M. PATTON, Secretary. 



Detailed Statement of Stocks 



L^Dited States bonds, 

Chicago, Milwaukee & St. Paul R.R. bonds, 
Milwaukee, L. S. & Western R K. bonds, 
Milwaukee & Northern Railroad bonds, . 
Chicago & Northwestern Railroad bonds, 
Milwaukee city bonds, .... 
Chicago Sanitary District bonds, 
Waukesha sewerage bonds, 
Chicago, Burlington & Quincy R.R. bonds. 



AND Bonds. 

Par Value. 
1200,000 00 

200,000 00 
60,000 00 
60,000 00 
100,000 00 
129,000 00 
60,000 00 
90,000 00 
60,000 00 



Market Yaloe. 
1218,000 00 

248,600 00 
62,600 00 
67,600 00 
116,000 00 
129,160 00 
62,600 00 
81,600 00 
68,000 00 



1869,000 00 1968,660 00 



SCMMART OF ASSETS DeO. 81, 1896. 



Loans on mortgage of real estate (first liens *), 
Interest dae or accrued thereon. 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross). 
Gross assets, 



$889,166 67 

7,929 21 

968,660 00 

2,224 14 

188,979 61 

2,666 66 

98,461 99 



t2,108,068 18 



Liabilities. 



losses adjusted, unpaid, . 
claimed and reported, 
disputed or resisted. 

Total amount of losses, . 
Less reinsurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Commissions and brokerage, . 
Reinsurance, 



15,428 18 

41,727 90 

7,600 00 

•64,666 08 
7,277 02 

f47,379 06 

835,011 63 

23,446 33 

3,628 47 



* Valae of laoda mortgaged, $2.0845,130 00 

Value ot balhllnga thereon 1»613,717 00 

Amoont of loanraoce beld aa collateral, .... 782,700 00 



304 



NORTHWESTERN NATIONAL INSURANCE CO. 



Other claims, 

ReiDbarance disallowed, . 

Gross liabilities, except capital, 



1885 08 
2,405 05 



f 912,75.') ^2 



Surplus as regards policy holders, 11,190,302 66 

Paid-up capital, 600,000 00 



Surplus over capital, 9590,302 66 



Incomb. 

Fire premiums outstanding Dec. 31, 1895, 
Same not collected, . . . • . 



Net collected, 

Premiums on risks written or renewed, . 



•91,020 18 
98 48 

♦90,921 70 
929,706 17 



Total 11,020,627 87 

Premiums now in course of collection, . . 93,451 99 



Entire premiums col looted, .... 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 

Interest received on mortgages, 45,453 95 

Interest and dividends received from all other sources, . . 46,659 29 



1927,175 88 
149,147 20 
1778,028 68 



Gross cash income, $870,141 92 



Expenditures. 

Cash paid for fire losses, $337,197 22 

Deduct salvage and reinsurance, . . . 25,797 55 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 



for salaries of officers and employees, . 

for State and local taxes, 

for general expenses, .... 



$311,399 67 
72,000 00 
185,454 89 
84,057 82 
19,755 86 
48,807 48 



Gross cash expandilurcs, $720,975 22 

Risks and Premiums. 

PftnlviDs. 

Fire risks outstanding Dec. 31, 1895, . $135,976,654 00 $1,521,929 37 



Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . • . 
Deduct amount reinsured. 



. 81,286,678 00 929,706 17 



$217,268332 00 $2,461,635 64 
. 66,302,182 00 797,490 55 



$150,961,150 00 $1,654,144 99 
. 8,857,100 00 89,789 88 



Net amount in force, • 



$142,104,050 00 $1«564,406 17 



NOBWALK FIRE INSURAXCB CO. 



305 



Miscellaneous. 

Premiums received from organization of company, « 
Losses paid from organization of company, . 
Fire and tornado losses incurred during the year, . 
Cash dividends declared from organization of company. 
Dividends declared during the year (12 per cent.), 
Company^s stock owned by directors, .... 



•12,964,277 00 
6,687,211 00 
304,532 00 
1,276,000 00 
72,000 00 
262,500 00 



"NORWALK FIRE INSURANCE COMPANY,^ NORWALK, CONN. 

[loeorponled 1890. Comm^Docd baiineM May, IMO.] 

Paid-up Capitai., $200,000. 

ARCHIBALD O. McILWAIN^B, Jr., Prttident. FBRRIS B. SHAW, Secretaiy. 



Detailed Statement or Stocks 



UDited States bonds, . 
New Britain, Conn , bonds, 
Kcw London, Conn., bonds, 
Korwalk, Conn , bonds, . 
South Norwalk, Conn., bonds, 
Willimantic, Conn., bonds. 
Central Ohio Railroad bonds. 
Central Railroad of New Jersey bonds, 
Chesapeake & Ohio Railroad bonds, 
Chicago, Burlington & Quincy Railroad bonds 
Chicago & Erie Railroad bonds, 
Lehigh Valley Terminal Railroad bonds, 
Milwaakee, Lake Shore & Western R.R. bonds 
New York, Ontario & Western R R. bonds, 
N. r., Snsqaehanna & Western R.R. bonds, 
Philadelphia & Reading Terminal R.R. bonds 
West Shore Railroad Bonds, . 
25 shares Chicago, Burlington & Quincy R.R 
65 
83 
80 
50 
15 
8 
18 
40 
15 
23 



u 



Chicago, Milwaukee & St. Paul R.R 
Chicago, Rock Island & Pacific R R 
Lake Shore ft Michigan South. R.R 
N. Y., Lackawsinna & Western R.R 
Central National Bank of Norwalk 
Faii'field County National Bank, 
National Bank of Norwalk, Conn., 
Fourth National Bank, New York, 
German- American Bank, New York, 
Norwalk Gas Light Company, . • 



AND Bonds. 

Par Value. 
•115,000 00 

26,000 00 

6,000 00 

26,000 00 

26,000 00 

20,000 00 

9,000 00 

40,000 00 

7,600 00 

6,000 00 

10,000 00 

12,000 00 

3,000 00 

8,000 00 

8,000 00 

10,000 00 

20,000 00 

2,500 00 

6,600 00 

8,300 00 

8,000 00 

6,000 00 

1,600 00 

800 00 

1,800 00 

4,000 00 

1,126 00 

676 00 



Market Valoe. 

tl24,169 00 

26.468 00 

6,386 00 

28,156 00 

27,188 00 

21,060 00 

8,820 00 

46,800 00 

8,026 00 

6,760 00 

10.900 00 

13,080 00 

. 8,900 00 

8,600 00 

3,000 00 

11,000 00 

21,100 00 

1,737 00 

6,216 00 

2,162 00 

4,600 00 

6,900 00 

1,600 00 

400 00 

1,800 00 

7,200 00 

1,216 00. 

690 00 



•372,600 00 t^06,710 00 



306 



NORWALK FIRE INSURANCE CO. 



SCMMART OF ASSETS DeC 

Stocks and bonds, as per schedale, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross). 
Due for reinsurance on losses, . 

Gross assets 



31, 1896. 

•405,710 00 

2,172 37 

6,869 89 

32,245 52 

4 65 



1447,002 43 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted. 



Total amount of losses. 
Less reinsurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Reinsurance, 

Reinsurance disallowed, .... 
Gross liabilities, except capital, 



%lfi58 00 

7,154 00 

400 00 

(9,412 00 
756 00 

•8,656 00 

81,458 82 

2,272 96 

6,589 34 

3,233 24 

342 24 



Surplus as regards policy holders. 
Paid-up capital. 



102^2 60 

1844,449 88 
200,000 00 



Surplus over capital, $144,449 83 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection. 

Entire premiums collected, • 

Less reinsurance and return premiums. 

Net cash fire premiums received, . 

Interest and dividends received from all sources. 



121,375 42 
176.385 28 

$197,760 70 
32,245 52 

$165^15 18 
85,242 65 



Gross cash income. 



$130,272 53 
11,580 36 

$141,852 89 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance. 

Net cash paid for fire losses, . . . . 

Cash dividends paid* 



$43,394 82 
6,836 65 



$36,558 17 
6,135 00 



NORWOOD INSURANCE CO. 307 

Cash paid for commissions and brokerage, .... $28,540 55 

for salaiies of officers and employees, . , . 6,782 88 

for State and local taxes, 1,250 26 

for general expenses, 6,741 14 

Gross cash expenditures, ....... $86,007 50 

Risks and Premiums. 

Premlumi. 

Fire risks ontstanding Dec. SI, 1895, . . (7,579,568 00 $67,182 46 

Fire risks written during 1896, . ... 18,540,259 00 176,885 28 

Total, $26,119,822 00 $243,567 74 

Deduct risks expired and terminated, . . 9,458,737 00 84,953 75 

In force at end of year, $16,661,085 00 $158,613 99 

Deduct amount reinsured, .... 1,323,800 00 12,959 67 

Net amount in force, $15,337,785 00 $145,654 32 

Miscellaneous. 

Premiums received from organization of company, . $611,749 00 

Losses paid from organization of company, .... 231,925 00 

Fire losses incurred during the year, 38,909 00 

Gash diridends declared from organization of company, . 122,425 00 

Dividends declared during the year, 6,135 00 

Company^s stock owned by directors, ..... 2,700 00 



"NORWOOD INSURANCE COMPANY OF NEW YORK," NEW 

YORK, N. Y. 

[Ineorporated Sept. 20, 1805. (Tommeneed biiiiDeiB Sept. 21, 1805.] 

Paid-up Capital, $200,000. 
OEOBGB 8. POTTBB, Pretident, ANDREW J. ARMSTRONa, SecrOafy. 



Detailed Statekent of Stocks and Bonds. 

Par Valae. 

United States bonds, $103,000 00 



New York City bonds, 

Brooklyn city bonds, 

Dnlath & Iron Range R.R. bonds, 

Chicago St Indiana Coal R R. bonds 

60 shares Continental Tmst Co , 



100,000 00 

100,000 00 

16,000 00 

10,000 00 

6,000 00 



Market Value. 

•116,876 00 

98,260 00 

103,000 00 

16,300 00 

10,260 00 

8,600 00 



$333,000 00 $361,276 00 



808 



NORWOOD mSUBANCE CO. 



SUHMART OF ASSETS DeC 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross). 
Notes taken for marine and inland risks, 
Prem's more than three mos. due, $4,551 50 
Gross assets, ...... 



31, 18%. 

1351,275 00 

28,148 18 

33,846 10 

184,074 93 

* 12,978 24 



1610,816 45 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Unused balances of premium notes. 
Due and accrued for rent, salaries, etc.. 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy holders, . 
Paid-up capital, .... 



126,591 95 

32,289 24 

2,825 00 

261^19 56 

1,813 11 

832 98 

37,789 03 

15,252 29 

284 19 



378,497 35 

1231319 10 
200,000 00 



Surplus over capital, $31319 10 



Income, 

Fire premiums outstanding Dec. 31, 1895, 
Same not collected, 



Net collected, .... 
Premiums on risks written or renewed. 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

I^ss reinsurance and return premiums. 

Net cash fire premiums received, . 

Marine premiums on risks written, . 

Premiums now in course of collection, 

Net cash marine premiums received. 

Interest and dividends received from all sources, . 



$124,247 02 
3,259 12 

$120,987 90 
675306 87 

$796,794 77 
181,451 94 

$615,342 83 
208,851 50 

$114,681 87 
2,622 99 



$406,491 SS 



112,058 88 
13,450 71 



Gross cash income, 



$532,000 9S 



NORWOOD INSUBANCE CO. 



309 



Expenditures. 

Cash paid for fire losses, $233,874 92 

Deduct salva^^e and reinsurance, . . . 45,782 10 

Net cash paid for fire losses, .... (187,592 82 

Cash paid for marine and inland losses, . $41,295 36 

Deduct salvage and reinsurance, . . . • 1,175 94 

Net cash paid for marine and inland losses, . 40,119 42 

Cash dividends paid, 20,000 00 

Cash paid for commissions and brokerage, .... 92,709 02 
for salaries of officera and employees, . . . 82,459 76 

for State and local taxes, 4,520 43 

for rents and incidentals, 44,047 16 

Gross cash expenditures, $421t448 61 



Risks and Pbemiums. 



Fire risks outstanding Dec. 81, 1895, 
Fire risks written during 1896, 



Total, . . . . 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Ket amount in force. 

Marine risks outstanding Dec. 31, 1895, 
Marine risks written during 1896, . 



Total 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured, 



.$20,836,709 00 
. 65,404,642 00 



Premiums. 

$225,997 63 
675.806 87 



. $85,741,351 00 $901,804 50 
. 42,913,070 00 416,065 57 



. $42,828,281 00 $485,738 93 
. 1,924,701 00 15,918 99 



.$40,903,580 00 $469,819 94 

. $107,557 00 $1,649 09 
. 9,843,200 00 114,681 87 



$9,950,757 00 
8,265,566 00 



. $1,685,191 00 
60,221 00 



$116,330 96 
60,763 83 

$55,567 13 
2,747 94 



Kct amount in force, $1,624,970 00 $52,819 19 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Marine and inland losses incurred during: the year. 
Cash dividends declared from organization of company, 
Divideods declared during the year (10 per cent.), . 
Company's stock owned by directors, .... 



$643,527 00 
234,583 00 
264,216 00 
25,068 00 
20,000 00 
20,000 00 
99,200 00 



310 



ORIENT INSURANCE GO. 



"ORIENT INSURANCE COMPANY," HARTFORD, CONN. 

[Ineorpormted Jnne, 1867. Gommeooed buiineM Jaoaary, 1872.] 

Paid-up Capital, $500,000. 
CHARLES B. WHITING, Prealdent. JAMBS U. TAINTOR, Secretary. 



Detailed Statement of Stocks 



504 shares American Nat'l Bank, Hartford, 



122 
130 
104 
152 

74 
200 
113 

71 

1,000 

100 

200 

80 
6 

76 
802 

50 

25 
804 
404 
220 

60 
100 
400 
220 
200 
100 
170 
100 
100 
150 
100 
100 
200 

60 
300 



u 



lEiins, National Bank, Hartford, 
Charter Oak Nat'l B'k, Hartford 
Farm. & Mech! Nl B'k, Hartford 
Mercantile Nat'l Bank, Hartford 
Phoanix National Bank, Hartford 
Exchange NatU Bank, Hartford, 
City National Bank, Hartford, 
First National Bank, Hartford, 
Hartford Natl Bank, Hartford, 
Conn. T. and S. Dep. Co., Hart., 
Thames Nat'l Bank, Norwich, 
First National Bank, Norwich, 
Rockville Nat'l Bank, Rockville, 
Metropolitan N'l B'k, New York 
Mechanics' Nat'l Bank, New York 
Holland Trust Co., New York, 
N'l Ger. Am B'k; St. Paul, Minn. 
N. Y., N. H. & Hartford R.R., 
Pennsylvania R.R., 
N. Y. C. & H. R. R,R., . 
Union Pacific R.R , 
Central Pacific R.R., . 
Cleveland & Pittsburgh R.R. Co. 
C, B. & Quincy R.R., . 
Illinois Central R.R , . 
Chic, Rock Island & Pacific R.R. 
Southern Railway Co., . 
Chicago & Northwestern R.R., 
Delaware & Hudson Canal Co., 
Cleve. Term. & Valley R.R Co., 
Rensselaer & Saratoga R.R Co , 
Chic. Jet. R-y & U. S'k Yd. Co^ 
Morris & Essex R.R. Co., 
Old Colony R R. Co., . 
Northwestern Telegraph Co 

Georgia State bonds. 

County of Coftey, Kan., bonds. 

County of Dickinson, Kan., bonds, . 

County of Finney, Kan., bonds. 



M 



•( 



M 



CC 



CI 



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•c 



•i 



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C4 



C( 



(t 



U 



«» 



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(( 



•« 



M 



(1 



•C 



It 



Ci 



C4 



(( 



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l< 



CC 



CC 



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CI 



CC 



CC 



CC 



AND Bonds. 

Par Value. 

$26,200 00 

12,200 00 

18,000 00 

10,400 00 

15,200 00 

7,400 00 

10,000 00 

11,300 00 

7,100 00 

100,000 00 

10,000 00 

20,000 00 

8,000 00 

600 00 

7,500 00 

7,550 00 

5,000 00 

2,600 00 

80,400 00 

20,200 00 

22,000 00 

5,000 00 

10,000 00 

20,000 00 

22,000 00 

20,000 00 

10,000 00 

17,000 00 

10.000 00 

10,000 00 

15,000 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

15,000 00 

25,000 00 

10,000 00 

10,000 00 

10.000 00 



Market Value. 

$34,272 00 
18,300 00 
12,350 00 
11,960 00 
12,160 00 

9,102 00 
12,600 00 
11,978 00 

8,023 00 

140,000 00 

17,000 00 

80,000 00 

8,000 00 

600 00 

450 00 

14,345 00 

4,000 00 

2,500 00 

142,710 00 

20,604 00 

20,460 00 

450 00 

1,550 00 
82,400 00 
15,262 50 
18,500 00 

6,550 00 

4,420 00 
15,150 00 
11,525 00 

1,500 00 
18,200 00 
10,400 00 
16,375 00 

8,800 00 
17,100 00 
28,750 00 
10,800 00 
11,000 W 
10,300 00 



ORIENT INSURANCE CO. 



311 



CoQnty of Kidder, Dak., bonds. 

County of Wichita, KaD., bonds. 

County of Pierce, Wash., bonds, 

County of Glynn, Ga., bonds, , . 

County of White, Tenn., bonds, 

County of Lyon, Iowa, bonds, . 

City of EvansTille, Ind., bonds, 

City of New Brnnswick, N. J,, bonds. 

City of Richmond, Va., bonds, . 

City of Norfolk, Va., bonds, . 

City of SioQx Falls, Dak., bonds. 

City of Wichita Falls, Tex., bonds. . 
City of Fort Worth, Tex., bonds. 
City of Fayetteville, N. C, bonds, . 
Town of Thomaston, Conn., bonds, . 
^ledicine Lodge Township, K(in., bonds, 
Bethany Township, Kan., bonds, 
Oswego Township, Kan., bonds. 
Precinct of Stanton, Neb., bonds. 
Precinct of Beaver, Neb., bonds, 
Vermont Valley Railroad Company bonds, 
Pittsburgh, Cleveland & Toledo R.R. bunds, 
Kansas Pacific Railroad bonds, 
C, C, Cincinnati & Indianapolis R.R bonds, 
Morris & E$isex Railroad bonds, 
Chicago, Milwaukee & St. Panl R R bonds, 
Dayton & Michigan Railroact bonds, 
TeiTe Haute & Logansport Railroad bonds, 
Chicago, Burlington & Northern R R. bonds, 
Ohio & West Virginia Railroad bonds, . 
Columbus & Toledo Railroad bonds, 
Cincinnati, Jackson & Mackinaw R.R. bonds, 
£ast Tenn., Virginia & Georgia R.R. bonds. 
Southern Railn)ad bonds, 
Detroit, Grand Rapids & W^esfn R.R. bonds, 
Hartford Street Railway bonds, 
Anderson, Ind., Electric Street R^y Co. bonds, 
Philadelphia & Reading R R. Co. bonds, . 
Indiana ALake Michigan R.R.Co. bonds, 
Atchison, Topeka & Santa F^ R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
K. Y , N. H. & H. R.R bonds, . 
Norfolk St Western Railroad bonds, 
Cleveland, Terminal & Valley R.R. bonds, 
Baltimore Belt R R Co. bonds, 
Cincinnati, Dayton & Ironton R.R , . 
Kanawha & Michigan R.R., 
Chicago, Rock Island A Pacific bonds, . 



Par Valne. 

$5,000 00 

4,000 00 

10,000 00 

10.000 00 

8,000 00 

10,000 00 

20,000 00 

10.000 00 

24,000 00 

20,000 00 

18,000 00 

10.000 00 

10,000 00 

10,000 00 

16,000 00 

6,000 00 

4,000 00 

6.000 00 

8,000 00 

6,000 00 

25,000 00 

10,000 00 

10,000 00 

86,000 00 

10,000 00 

20,000 00 

26,000 00 

14,000 00 

1,600 00 

8,000 00 

18,000 00 

12,000 00 

16,000 00 

6,000 00 

10,000 00 

40,000 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

6.100 00 

32,200 00 

10,000 00 

10,000 00 

20,000 00 

10,000 00 

26,000 00 

10,000 00 



MiiTlc«t Value. 

16,400 00 

4,400 00 

10.800 00 

10,200 00 

8,320 00 

6,000 00 

20,000 00 

10,800 00 

80,240 00 

21,200 00 

14,660 00 

11,000 00 

10,100 00 

10,300 00 

15,750 00 

6,000 00 

4,080 00 

6,100 00 

8,660 00 

6,400 00 

27,600 00 

10.525 00 

6.800 00 

45,050 00 

13,800 00 

26,000 00 

26,750 00 

11,200 00 

1,560 00 

8.450 00 

14,950 00 

6,000 00 

16,050 00 

6,460 00 

6.500 00 

41,000 00 

10,200 00 

11,000 00 

17,000 00 

12,200 00 

6,480 50 

43,792 00 

6.500 00 

7.000 00 

18,300 00 

10.750 00 

19,500 00 

10,450 00 



312 



ORIEKT INSUBANCE CO. 



Brooklyn Wharf & Warehouse Co. bonds, 
Territory of Arizona funding bonds, 
Iowa Mortgage Co trust debenture notes. 
Mason and Tazewell District, III., bonds, 
Rutland and Grafton District. 111., bonds, 
First Baptist Church, Nashville, Tenn., bonds, 
Alexandria, Ind , water works, . 
Kansas school lionds, 
Nebraska school bonds, . 
Dakota school bonds, 
Wyoming Territory school bonds, 
Colorado school bonds, 
Texas school bonds, . 
Washington school bonds, 
Arizona Improyement Co. bonds. 
Southwestern Inigation Co. bonds. 



Pmr Taloe. 

125,000 00 

25,000 00 

2,000 00 

5,000 00 

2,000 00 

11,500 00 

9,000 00 

20,197 00 

12,a45 07 

8,000 00 

8,000 00 

8,000 00 

15,000 00 

10,000 00 

10,000 00 

5,000 00 



IfAitet Tsloe. 
125,000 00 

25,500 00 

2,000 00 

5,100 00 

2,000 C»0 

11,780 CO 

9,450 00 

21,566 85 

18,499 58 

9,040 00 

3,450 00 

8,800 00 

15,800 00 

10,71 »0 00 

10,000 00 

2,500 00 



11,448,892 07 $1,596,960 48 



Securities held ns collateral for cash loans : — 

4 shares ^tna Fire Insurance Co , Hartford, 
24 ^ Adams Express Company, 



Market Tala*. 

•1,000 00 
8,480 00 



LouMd Thcnoo. 

$400 00 
1,850 00 



14,480 00 11,750 00 

Summary of Assets Dec. 81, 1896. 

Cash value of unencumbered real est»ite, . |48,S55 29 

J^ans on mortgage of i-eal estate (first liens *), 228,119 66 

Interest due or accrued thereon, . . . 8,899 65 

Stocks and bonds, as per schedule, . . . 1,596,960 48 ] 

Loans on collateral security, as per schedule, . 1,750 00 

Cash in the oflSce of the company, . . . 4,668 08 

Cash deposited in bank, 124,417 98 

Interest due and accrued, 10,085 52 

Premiums in course of collection (gross), . 260,074 44 

Rents due and accrued, 404 25 

Gross assets 1^*^78,780 25 

Deduct special deposits in other States, 106,628 00 

Balance 12,172,102 25 



Liabilities. 

Losses adjusted and reported, . 

Losses di.<tputed or resisted. 

Unearned premiums on outstanding risks. 



•145,256 36 

24,024 01 

984,025 18 



* Tiitai value of property mortgaged, 
Amount of lD«araDoe held a* collateral, 



$743,817 00 
122,950 00 



ORIENT INSURANCE CO. 313 

Comiuissions and brokerage, .... $63,259 33 
Reinsurance disallowed, 10,800 44 

Gross liabilities, except capital,. . . |1,227,S65 32 

Dcdact liabiliU' on special deposits, . . 43,968 39 

$1,183,396 98 

Snrplos as regards policy holders, ...... $988,705 32 

Paid-up capital, 500,000 00 

Surplus over capital, $488,705 32 

Income. 

Fire premiums outstanding Dec. 81, 1895, . $260,421 2t 
Same not collected, 1,294 89 

Net collected, $259,126 32 

Premiums on risks written or renewed, . . 1,727,296 56 

• 

Total. $1,986,422 88 

Premiums now in course of collection, . . 258,803 26 

Entire premiums collected, . . . . $1,727,619 62 

Less reinsurance and return premiums, . . 415,043 06 

Net cash fire premiums received, . $1,312,576 56 

Marine premiums outstanding Dec 3K 1895, . $5,090 75 

Premiums on risks written or renewed, . . 26,734 56 

Total, $31,825 31 

Premiums now in course of collection, . . 1,271 18 

Entire premiums collected, .... $30,554 13 
I..ess reinsurance and return premiums, . . 6,075 37 

Net cash marine premiums received, . . 24,478 76 

Interest received on mortgages 11,227 47 

Interest and dividends received from all other sources, . . 78,024 28 

Income from rents, 539 23 

Gross cash income, $1,426^46 30 

EXPFNDITURES. 

Cash paid for (ire losses $848,982 63 

Deduct salvage and reinsurance, . . • 75,930 11 

Net cash paid for fire losses, .... $773,052 52 

Cash paid for marine and inland losses, . . $68,845 84 
Deduct salvage and reinsurance, . . . 2,339 96 

Net cash paid for marine and inland losses, . 66,505 88 

Cash dividends paid, 40,000 00 

Cash paid for commissions and brokerage, .... 260,733 38 
for salaries of officers and employees, . . . 106,573 40 

for State and local taxes, 33,604 45 

for incidentals, 78,569 01 

Gross cash exi>enditures, $1,359,038 59 



314 



PACIFIC FIRE INSURANCE CO. 



Bisks and Premiums. 

PrannlinDSa 

Fire risks outstanding Dec. 31, 1895, . 1154,872,223 00 $1,899,432 12 
Fire risks written during 1896, . . 135,985,233 00 1,727,296 56 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1895, 
Marine risks written during 1896, . 



Total, 

Deduct risks expired and terminated. 



In force at end of year. 



$290,857,456 00 $3,626,728 68 
130,729,166 00 1,682,941 80 



$160,128,290 00 $1,943,786 88 
3,287,109 00 25,527 28 



$156,841,181 00 $1,918,259 60 



. $1,829,859 00 
949,468 00 



$2,779,327 00 
2,100,114 00 



$57,374 03 
26,734 56 

$84,108 59 
62.788 54 



$679,213 00 $21,820 05 



Miscellaneous. 

Premiums received from organization of company. 
Losses paiti from organization of company, • 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year. 
Cash dividends declared from organization of company. 
Dividends declared during the year (8 per cent), . 
Company's stock owned by directors, «... 



$16,938,215 00 
10,525,551 00 
784,501 00 
37,341 00 
1,065,000 00 
40,000 00 
73,950 00 



"PACIFIC FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[iDoorporated April 16, 1851. CommeDeed boilneM April 29, 1851.] 

PaiD'UP Capital, $200,000. 
FRANK T. STI57SON, Prtnident. GBORGE JSRBMIAH, Seer^arf 



Detailed Statement of Stocks 

United States bonds, ...... 

New York City bonds, 

Broadway & Seventh Avenue Railroad bonds. 
New York Central & Hudson River R.R. stock, 
Rome, VVatertown & Ogdensburg R.R. stock, . 

Brooklyn city bond, 

500 shares Brooklyn City Railroad, . 



AND Bonds. 

Par Valae. 
1 150,000 00 

175,000 00 
10,000 00 
22,000 00 
15,000 00 
10,000 00 
5,000 00 



Market Value. 
(180,000 00 

175,000 00 
10,500 00 
20,570 00 
17,700 00 
10,150 00 
8.700 00 



(387,000 00 (422,620 00 



PAdFIO FIRE INSURANCE CO. 315 



SUMMART OF ASSETS DeC. 81, 1896. 

Loans on mortgage of real estate (first liens *) , 1 268,000 00 

Interest dae or accrued thereon, . . « 2,223 08 

Stocks and bonds, as per schedule, . . . 422,620 00 

Cash in the office of the company, . . . 9,937 09 

Cash deposited in bank, 8,127 61 

Interest due and accnied, 1,719 98 

Premiums in course of collection (gross), . 61,098 82 

Reinsurance due, 67 81 

Prem's more than three mos. due, tlfl78 03 

Gross assets, $778,794 89 

Liabilities. 
Losses adjusted, unpaid, (9,845 62 

claimed and reported, .... 19,944 17 

disputed or resisted, .... 5,884 00 

Total amount of losses, $84,628 79 

Less reinsurance, 1,081 80 

Net amount of unpaid losses, .... |88,542 49 

Unearned premiums on outstanding risks, . 270,870 84 

Doe and accrued for rent, salaries, etc , . • 8,560 00 

Doe for borrowed money, .... 15,000 00 

Commissions and brokerage, .... 18,747 24 

Return premium and reinsurance, . 8,229 91 

Reinsurance disallowed, 12,822 80 

Gross liabilities, except capital, . . 857,273 28 

Surplus as regards policy holders, $416,521 11 

Paid lip capital, 200,000 00 

Surplus over capital, $216,521 11 

Income. 
Fire premiums outstanding Dec. 81, 1895, . $58,781 76 
Same not collected, 881 71 

Net collected $57,900 05 

Premiums on risks written or renewed, . . 471,241 02 

Total, $529,141 07 

Premiums now in course of collection, . . 62,276 85 

Entire premiums collected, .... $466,864 22 
Less reinsurance and return premiums, . . 93,794 44 

Net cash fire premiums received, , . . • $373,069 78 

Interest received on mortgages, 12,650 00 

Interest and dividends received from all other sources, • . 18,636 00 

Gross c ash income, $399,355 78 

* Valoe of lands mortgnged, $212,000 00 

Valoe of bulldlnga thereon 298,000 00 

Amonot of luorEDeo held m oollatoral, .... 200,000 00 



316 



PENNSTLYANIA FIRE INSURANCE GO. 



Expenditures. 

Cash paid for fire losses, 1223,570 98 

Deduct salvage and reinsurance, . . • 13,250 78 

Net cash paid for fire losses, .... 

Cash dividends paid 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



Gross cash expenditures, ....... |379,414 53 



•210,320 20 
20,000 00 
79378 03 
34,718 94 
10,429 75 
24,072 61 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured, 

Ket amount in force, 



158,100,939 00 
44,207,465 00 



Premlamf. 

1570,953 56 
471,241 02 



•102,308,404 00 |1,042,194 58 
45,286,170 00 468,188 48 



•57,023,234 00 |574,006 10 
4,360,805 00 38,211 99 



•52,662,429 00 •535,794 11 



Miscellaneous. 

Premiums received from organization of company. 

Losses paid from organization of company, . 

Fire losses incurred 'during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent), 

Company^s stock owned by directors, 



•7,875,672 00 

4,195,137 00 

187,655 00 

1,418,000 00 

20,000 00 

41,225 00 



"PENNSYLVANIA FIRE INSURANCE COMPANY,'* 

PHILADELPHIA, PA. 

[Ineorporated March, 1826. Oommencod botinen April, 1825.] 

Paid-up Capital, $400,000. 
R. DALE BENSON. Pre9idenU W. OARDNBR CROWELL, SecrOarj, 



Detailed Statement or Stocks and Bonds. 

Par Valae. 

United States bonds, #95,000 00 

Philadelphia dtj bonds 17,000 00 

Phlla., Wilmington & Bait. R.R. certificates, . 115,000 00 



•106,500 00 

19.S80 00 

119,300 00 



PENNSYLVANIA riBB INSURANCE CO. 



317 



Philadelphia & Erie Railroad bonds, 
Pennsylvania Railroad bonds, . 
Easton & Amboy Railroad bonds, . 
Philadelphia & Reading Railroad Company, 
Lehigh Valley Railroad Company, . 
Elmira A Williamsport Railroad Company, 
West Jersey Railroad Company, 
Pennsylvania & New York Canal & R.R. Co., 
Chicago & Western Indiana Railroad, . 
Chicago, Burlington & Quincy Railroad, 
Jacksonville, Louisville & St. Louis Railroad, 
Jacksonville Southeastern Railway Company, 
Shamokin, Sunbury & Lewisburg Railroad, 
Coming, Cowanesque & Antrim Hailroad, 
Terre' Haute & Logansport Railroad, 
New York & Ijong Branch Railroad, 
St Paul & Northern Pacific Railroad, 
l^high Valley Coal Company, 
Pittsburgh, McKeesport & Yonghiogheny R R. 
Pittsburgh, Cincinnati & St. Louis Railroad, 
Cleve., Columbus, Cin & Indianapolis R.R., 
Grand Rapids & Indiana Railroad, . 
New York, Susquehanna & Wesiem R.R., 
Lake Shore & Michigan Southern R*y Co., 
Lehigh Coal & Navigation Company, 
Bufialo & Susquehanna Railroad, . 
Baltimore & Ohio Railroad Co., 
Indiana & Vinccnnes Railroad Co., . 
Chicago ft Erie Railroad Co., . 
Baltimore & Potomac Railroad Co., 
McKee-sport & Belle Vernon R.R. Co., . 
KnoxTille Water Company, . 
Western Transit Company, 
Lehigh Coal & Navigation Co., 
Chesapeake & Delaware Canal Co., 
Delaware Division Canal Company, 
Car Trust of New York bonds, 

St. Ijovob city bonds, 

Cincinnati city bonds, . • . 

City of Springtield, III., funding bonds, . 

City of Topeka, Kan., internal improve, bonds, 

City of Dayton, Ohio, bonds, . 

City of Columbus, Ohio, bonds, 

City of Quincy, 111., bonds. 

City of Sandusky, Ohio, bonds, 

Kansas City, Kan., internal improve, bonds, 

Newark City, Ohio, bonds, 

Wabash Railroad Co. bonds, . 



PAr Valot. 

176,000 00 

99,000 00 

60,000 00 

228,600 00 

183,000 00 

26,000 00 

10,<>00 00 

188,000 00 

112.000 00 

100,000 00 

82,000 00 

11,000 00 

20,000 00 

8,000 00 

60,000 00 

26,000 00 

60,000 00 

60,000 00 

20,000 00 

60,000 00 

80,000 00 

21,000 00 

60,000 00 

60,000 00 

100,OOJ 00 

60,000 00 

10,000 00 

4d,0u0 00 

60,000 00 

16,000 00 

21,000 00 

16,000 00 

60,000 00 

20,000 00 

10,000 00 

26,000 00 

4,000 00 

26.000 00 

48,000 00 

86,000 00 

26,620 00 

62,000 00 

60,r00 00 

26,000 00 

19,600 00 

6,000 00 

12,000 00 

20,000 00 



Market Valne. 

189,260 00 

116,820 00 

63,600 00 

236,686 00 

207,490 00 

30,000 00 

10,800 00 

192.190 00 

129,600 00 

118,000 00 

12,800 00 

11,000 00 

20,400 00 

8,000 00 

37,600 00 

27,600 00 

61,600 00 

48,600 00 

24,000 00 

66,000 00 

37,600 00 

2,100 00 

63,000 00 

69,600 00 

104,000 00 

60,000 00 

11,000 00 

46,160 00 

66,000 00 

18,376 00 

26,460 00 

16,000 00 

61,U00 00 

20,400 00 

4,700 00 

24,000 00 

4,000 00 

80,000 00 

67,000 00 

36,700 00 

27,316 00 

66,790 00 

61,280 00 

26,000 00 

19,890 00 

6,000 00 

12,240 00 

14,000 00 



318 



PENNSYLVANIA FIBE INSUBANCE CO. 



Pittsburgh Junction Terminal Company, 
.Newburgh & New York Railroad Co., . 
Northern Central Railroad Co., 
Baltimore & Ohio Railroad Co., 
Baltimore Belt Railroad Co., . 
West Knoxville Gen Improvement Co., . 
Atlantic City Railroad Co., 
Camden Horse Railroad Co., . 
Bellefonte Central Railroad Co., 
Eyansville & Terre Hante R.R. Co., 
School Dist. of the Borough of Sewickley, Pa. 
200 shares Philadelphia National Bank, . 
440 ** Bellefonte Central Railroad Co., 
10 '* Philadelphia Bourse, 



Par ValM. 

•25,000 00 
15,000 00 
18,000 00 
50,000 00 
60,000 00 
20,000 00 
80,000 00 
25,000 00 
2,500 00 
25,000 00 
24.000 00 
20,000 00 
22,000 00 
500 00 



Market Valoa. 

125,000 00 

15,000 00 
20,700 00 
50,000 00 
46,500 00 
20,000 00 
81,200 00 
25.750 00 
2,500 00 
22,500 00 
25,200 00 
88,000 00 
11,000 00 
100 00 



12,888,520 00 $2,998,465 00 



Securities held as collateral for cash loans : — 

12 shares Continental Insurance Co.. N. Y., 
Bank of North America, 
Manayunk National Bank, . • 
Ninth National Bank, . 
Moorestown National Bank, 
Burl. Co. Safe Dep. & Trust Co., . 
Fire Ins. Co. of County of Phila., 
Manayunk Trust Company, 
Insurance Co. of North America, . 
North Pennsylvania Railroad Co., 
Lehigh Valley Railroad Co , 
Penn. Co. for Ins. on Lives, etc., . 
Penn. Fire Insurance Co. stock. . 
United Canal and R.R. Co. of N. J., 
Insurance Co. of North America, 
Germania Insurance Co., N. Y., . 
1st NatU Bank, Shippcnsburg, Pa., 
Norrist'n Tit., Tr. & Safe Dep. Co., 
Lehigh Valley Railroad Co., 
Huntingdon & Broad TopR.R. Co., 
Commercial National Bank, 
Philadelphia Traction Co., • • 
Northern Pacific Railroad, . 
Security Trust Company, . 
Lehigh Coal & Naviga. Co. stock, 
Com'lth Title Ins. & Trust Co., . 

Pitts., Cincinnati & St. Louis Railway Co., 

Bellefonte Central Railroad Co., 

25 shares Western National Bank, . 

50 '' New England Loan and Tnist Co , . 

Pulaski Iron Company bonds, .... 



14 

15 

80 

7 

5 

5 

50 

81 

62 

1,250 

9 

5 

4 

65 

26 

16 

100 

200 

100 

20 

200 

200 

846 

105 

10 



C( 



it 



u 



u 



«( 



u 



u 



M 



II 



II 



II 



II 



II 



it 



II 



It 



It 



II 



u 



tl 



II 



Market Valnt. 

18,660 00 

8,486 00 

2,700 00 

4,200 00^ 

1.576 00 

850 00 

525 00 

600 00 

682 00 j 

5,146 00 

37,600 00 

4.500 00^ 

1,760 00 

982 00 

1,480 00 

6,460 00 J 

8,040 00 

8,000 00 

6,000 00 

2,400 00 

600 00 

18,200 00 

2300 00 

89,762 00 

4,805 00 

670 00 

1,100 00 

4.000 00 

2,000 00 

6,000 00 

5,000 00 



Loaned Thenoo. 

18,000 00 

1,750 00 

2,000 00 



6,600 00 



} 



8,500 00 
25.000 00 



4.000 00 

2.800 00 
6,500 00 

7,400 00 

12,000 00 
26,000 00 

5,000 00 

2,000 00 

10,000 00 



PENNSYLVANIA FIRE INSURANCE GO. 



319 



40 shares Pennsylvaoia Railroad Co., 
60 •• North Pennsylvania R.R. Co., . 
Boston United Gas bonds, 
Wash., Alex'dria & M t.Vernon Electric R'y Co. 
30 shares Girard Life Ins., Annuity & Tr. Co 
KJO " Philadelphia Traction Co., . 
Philadelphia & Reading Railway, . 
North Pennsylvania Railroad Co., . 



Market Vatae. 

|2,080 00 
4,980 00 

21.250 00 
2,000 00 

11,400 00 
6,600 00 
1,200 00 

48,400 00 



Loaned Thenon. 



121,000 00 



16,000 00 
40,000 00 



1270,288 00 1191,950 00 



Summary of Assets Dec. 81, 1896. 



Cash value of anencnmbered real estate, 
I^ans on mortgage of real estate (first liens *) 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the oflSce of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gi'oss), 

Gross assets, 

Deduct special deposits in other States, . 



•184,500 00 

879,070 00 

• 13,806 66 

2,998,465 00 

191,950 00 

1,079 66 

226,389 83 

2,078 14 

281,685 68 



•4,779.024 97 
106,500 00 



Balance •4,672,524 97 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies. 
Commissions and brokerage, . 
Reinsurance disallowed, . 



Gross liabilities, except capital, 
Deduct liability on special deposits. 



115,558 00 

184,237 00 

12,674 00 

1,420,803 31 

805,307 85 

24,000 00 

15,473 93 

•2,428,049 09 
43,383 09 



2,384,666 00 



Surplus as regards policy holders, •2,287,858 97 

Pftid-up capital, 400,000 00 



Surplus over capital. 



. •1,887,858 97 



• ToUl T»la6 of property nortgagedi • 
Amoaot of insarmaee held aa eoUatoral, 



$2,107,&60 00 
6«7,4Q0 00 



320 



PENNSYLVANIA FIRE INSURANCE GO. 



Income. 

Fire prenaiuras outstanding Dec. 31, 1895, 
Same not collected, 



•235,637 66 
10,095 05 



Net collected, 1225,542 61 

Premiums on risks written of renewed, . . 2,190,661 93 



Total $2,416,204 54 

Premiums now in course of collection, . . 281,685 68 



Entire premiums collected, .... 12,134,518 86 
Less reinsurance and return premiums, . . 419,325 44 

Net cash fire premiums received, . . . •" |1, 7 15,193 4S 

Interest received on mortgages, 42,11198 

Interest and dividends received from all other sources, . • 156,137 89 

Income from rents, 2,701 92 

Deposits received for perpetual fire risks, . 148,587 23 



Gross cash income, $1,916,144 71 



Expenditures. 

Cash paid for fire losses, $889,140 28 

Cash dividends paid, 80,000 00 

Cash paid for commissions and brokerage 429,701 64 

for Salaries of ofiicers and employees, . . . 102,160 00 

for State and local taxes, 36^12 48 

for incidentals 101,440 08 

Deposits returned on perpetual fire risks, . $23,356 63 



Gross cash expenditures, . 



. $1,639,254 48 



Risks axd Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force. 



$279,042,792 00 $2,720,635 17 
212,902,563 00 2,190,661 9S 



$491,945,355 00 $4,911,297 10 
182,729,491 00 1,969,219 29 



$309,215,864 00 $2,942,077 81 
17,450,231 00 149,871 94 



$291,765,633 00 $2,792,205 87 



Perpetual risks in force (not incPd above), $35,582,448 00 $881,322 77 



PHENIX INSURANCE CO. 



821 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, . . • 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), . 
Company^fl stock owned by directors, .... 



130,632,270 00 
16,911,626 00 
878,000 00 
2,849,000 00 
80,000 00 
63,700 00 



"PHENIX INSURANCE COMPANY,'' BROOKLYN, N. Y. 

f iDoorporated Sept. 10, ISftS. GommeDeed bodnMS Sept. 10, 18M.] 

Faxb-up Capital, $1,000,000. 
GSO&OE P. 8HELDON, Pre^Ueni, CHABLB8 O. LITTLE, Secretary. 



Detailed Statement of Stocks 



United States bonds, . . . • 
Mate of Virginia bonds, .... 
City of Richmond, Va., bonds, . 
New York City consolidated stock, . 
Ring's County Klcvated Railway Co. bonds, 
LonisTille, Henderson & St. Louis R'y Co. b'ds, 
lx>Qisville & Nashville Railroad Co. bonds, . 
Norfolk & Western Railroad Company bonds. 
United Traction & Electric Railway Co. bonds, 
Missouri, Kansas & Texas Railway Co. bonds. 
Met West Side Elevated R'y of Chicago b'ds, 
Cleveland & Mahoning Valley R.R. Co. bonds, 
Philadelphia & Reading Railroad Co. bonds, . 
N. Y., N. U. & Hartford R R. debentures, 
Missoula County, M. T., bonds, 
U. S. Illuminating Company bonds, 
Lake Gas Company of Chicago bonds, . 
Grand Rapids Gas Light Company bonds, 
Madison Gas & Electric Company bonds, 
1,000 shares Chicago & Alton Railroad Co., . 
1.000 

713 
1,000 
1,000 
1.000 

600 

200 

3b6 



»• 



II 



Morris & Essex R.R Co., . 
Rome, Water. & Ogd*gh R.R.Co., 
Delaware & Hudson Canal Co., . 
Pitts , Ft. Wayne & Chicago R.R , 
Syracuse, Bingh'ton & N. Y. R.R., 
Rensselaer & Saratoga R.R. Co., . 
Natl Shoe and Leather B'k. N.Y., 
SaVl Bank of the Republic, N. Y., 



AND Bonds. 

Far ValM. 

1480,000 00 

100,000 00 

21,000 00 

762,000 00 

26,000 00 

17,600 00' 

26,000 00 

25,000 00 

25,000 00 

50,000 00 

85,000 00 

25,000 00 

50,000 00 

200,000 00 

12,000 00 

25,000 00 

50.000 00 

33,000 00 

25,000 00 

100,000 00 

50,000 00 

71,300 00 

100,000 00 

100,000 00 

100,000 00 

50,000 00 

20,000 00 

88,600 00 



Market Valm. 

$557,600 00 

63,000 00 

21,000 00 

762,000 00 

11,700 00 

14,000 00 

24,375 00 

16,250 00 

25.625 00 

40,000 00 

14,000 00 

80,000 00 

40,750 00 

272,000 00 

13,200 00 

25,000 00 

51,000 00 

29,700 00 

23,750 00 

163,000 00 

83,000 00 

84,134 00 

115,000 00 

166,000 00 

165,000 00 

91,500 00 

19,000 00 

55,970 00 



322 



PHENIX INSUEAXCE CO> 



87 shares 


2o0 


u 


100 


II 


253 


u 


1,200 


u 


408 


II 


600 


II 


200 


II 


191 


u 


100 


II 


187 


11 


170 


II 


1,6(»0 


II 


1,600 


11 


430 


II 



Nat'l Bank of Commerce, N. T , 
Fourth Narl Bank. N. Y., . 
Mercantile Nat'l Bank, N. Y., 
National Park Bank, N. Y., . 
Chatham National Bank, N. Y., 
Mechanics* Bank, Brooklyn, 
National City Bank, Brooklyn, 
Phenix National Bank, N. Y., 
Brooklyn Bank, Brooklyn, . 
Bond and Mort. Guarantee Co., 
New York Mntual Gas Light Co. 
Madison Gas and Electric Co., 
Central and So. Amer Tel. Co , 
Western Union Telegraph Co., 
Mexican Telegraph Co., 



Par Talue. 

18,700 00 

20,000 00 

10,000 00 

26,800 00 

30,000 00 

20,400 00 

80,000 00 

4,000 00 

9,650 00 

10,000 00 

18,700 00 

17,000 00 

160,000 00 

150,000 00 

43,000 00 



Mtftet TateCL 

$17,400 00 
86,000 00 
17,000 00 
67,045 00 
88,500 00 
48,960 00 

123,000 00 

4,200 00 

15,280 00 

15,000 00 

43,945 00 

5,100 00 

180,000 00 

124,500 00 
83,850 00 



$3,163,050 00 $3,846,334 00 

ScMUART OF Assets Dec. 31, 1896. 

Cash valne of \mencumbered real estate, . $511,000 00 

Loans on mortgage of real estate (tirst liens *), 115,600 00 

Interest due or accrued thereon, . . . 1,911 62 

Stocks and bonds, as per schedule, . . . 8,846,334 00 

Cash in office and bank, 416,039 66 

Interest due and accrued, 14,401 65 

Premiums in course of collection (gross), . 815,968 27 

Rents due and accrued, 8,676 66 

Reinsurance due, 11,994 90 

Gross assets, $5,736,926 66 

Deduct special deposits in other States, 203,000 00 

Balance, $5,533,926 66 



LlABIUTIEfl. 



Losses claimed and reported, . 
Losses disputed or resisted. 



Total amount of losses. 
Less reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Due and accrued for i<«nt, salaries, etc., . 



$208,681 77 
30,375 00 

$233,956 77 
' 20,614 37 

$213,312 40 

8,397,945 65 

2,333 84 



* Valae of landi mortgaged, ....... $77,SSO 00 

Value of bntldlQge theraoo 105,M0 00 

Amount of Inaorance held m eollaterml, • • . • 122,000 00 



PHEKIX INSURANCE CO. 



323 



Commissions and brokerage, . 
Return prenaiums and reinsurance, . 

Gross liabilities, except capital, 
Deduct liability on special deposits. 



Surplus as regards policy holders, 
Paid-up capital. 



Surplus over capital, 



198,376 75 
83,169 92 

13,795,168 06 
121,401 S3 



13,673,766 73 



11,860,159 93 
1,000.000 00 

•860,159 93 



Income 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



1928,862 89 
4,353,527 51 



Total 15,282,390 40 

Premiums now in course of collection, • . \ 815,968 27 



Entire premiums collected. 
Less reinsurance and return premiums, . 
Net cash fire premiums received. 
Interest received on mortgages. 



. 14,466,422 IS 
. 1,030,691 06 
. 13,435,731 07 



6,085 00 

Interest and dividemls received from all other sources, . . 150,340 84 
Income from rents, 10,973 48 



Gross cash income, f 3,608,130 39 



ExrENDITCRES. 

Cash paid for fii-e losses, |2,217,135 47 

Deduct salvage and reinsurance, . . . 289,723 70 

Net cash paid for fire losses, .... 11,927,411 77 

100,000 00 
490,619 10 
338,887 80 
74,948 03 
326,876 18 



Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



Gross cash expenditures, 



13,258,742 88 



Fire ri.«k8 outstanding Dec. 31, 1895, 
Fire risks M-ritten during 1896, 



Risks and Premiums. 

Premlnmi. 

1661,208,365 00 18,496,812 45 
345,717,292 00 4,353,527 51 



Total, ..•■■• 
Deduct risks expired and terminated, 

In force at end of year, • 
Deduct amount reinsured, 

Net amount in force, . 



•1,006,925,657 00 •12,850,339 96 
408,756,436 00 5,311,351 76 



•598,169,221 00 f7/^08,988 20 
49,576,262 00 562,559 73 



•548,592,959 00 f6,946,428 47 



324 



PHCENIX INSURANCE CO. 



Miscellaneous. 

Premiunis received from organization of company, 
Losses paid fruui organization of company, . 
Fire losses incuiTed during the year, .... 
Cash dividends declared from organization of company. 
Dividends declared during the year (10 per cent), 
Company ^8 stock owned by directors, .... 



$108,115377 00 

. 54,438,330 00 

. 1,865,826 00 

. 8,674,000 00 

100,')0O 00 

163,100 00 



/»PH(EXIX INSURANCE COMPANY," HARTFORD, CONN. 

[Ineorporateid May, 1854. Corameiiced bvitneM June, 1854 ] 
Paid-up Capital, $2,000,000. 
D. W. C. BKILTON, PretidenU EDW. MILLIGAN, StcrtUtrf. 



300 shares 


1,000 


(4 


100 


(• 


125 


II 


162 


11 


160 


11 


100 


II 


300 


II 


175 


II 


400 


M 


1,030 


II 


400 


U 


100 


II 


133 


II 


250 


11 


108 


II 


800 


II 


200 


II 


340 


II 


125 


II 


200 


II 


770 


II 


200 


U 


440 


U 


50 


U 


500 


II 


300 


II 


350 


II 


500 


•1 


500 


U 



Detailed Statement of Stocks 

iElna National Bank, Hartford, . 
American National B'k, Hartford, 
Atlantic Trust Co., New York, . 
Central Trust Co., New York, 
Charter Oak NatU B'k, Hartford, 
City Bank, Hartford, . 
Connecticut River Bank, Hartford, 
Farm. & Mecli. N'l B'k, Hartford, 
First National Bank, Wallingford, 
Franklin Trast Co., New York, . 
Hartford National B*k, Hartford, 
Hartford Tmst Co., Hartford, 
Home National Bank, Meriden, . 
Imperial Bank, Toronto, Ont, 
Metropolitan N'l B*k, Cincinnati, 
Merchants' Ex. NM Bank, N. Y , . 
Mercantile NatM Bank, Hartford, 
N'l Shoe & Leather B'k, N. Y., . 
National Exchange B^k, Hartford, 
N'l Ger'n American B'k, St. Paul, 
New Britain N*l Bk, New Britain, 
Phoenix National Bank, Hartford, 
State Bank, Hartford, . 
Waterbury N'l Bank, Waterbury, 
Security Company, Hartfonl, 
Bald Eagle Valley Railroad, 
Beech Creek Railroad, . 
Chicago & Alton Railroad Co., . 
Cleveland & Pittsburgh R.R. Co., 
Fort Wayne & Jackson R.R. Co., 



AMD Bonds. 

Par Talae. 
130,000 00 

50,000 00 
10,000 00 
12,500 00 
16,200 00 
16,000 00 
3,000 00 
30,000 00 
17,500 00 
40,000 00 
103,000 00 
40,000 00 
10,000 00 
13,800 00 
11,250 00 
5,400 00 
80,000 00 
20,000 00 
17,000 00 
12,500 00 
20,000 00 
77,000 00 
20,000 00 
22,000 00 
5,000 00 
25,000 00 
16,000 00 
35,000 00 
25,000 00 
50,000 00 



Market TalM. 
$43,500 00 

70,000 00 
18,250 00 
134,375 00 
16,200 00 
17,2H0 00 

4,500 00 
34,500 00 
19,775 00 
86,800 00 
144,200 00 
60,000 00 
11,800 00 
23,674 00 
600 00 

6,210 00 
64,000 00 
19,000 00 
22,100 00 

9,376 00 
32,000 00 
96,250 00 
22,000 00 
38,500 00 

6,150 U> 
50,000 00 
15,000 00 
56,700 00 
41,250 l«) 
62,.M)0 W) 



FHCBNIX INSURANCE CO. 



325 



120 

1,000 

1,000 

1,500 

2i>0 

500 

500 

500 

500 

500 

150 

U20 

1,500 

400 



u 



M 



M 



U 



M 



200 shares Georgia Railroad & Banking Co. 
Hartfoi-d & Conn. Wostern R.R. 
Illinois Central Railroad, . 
Morris & Essex Railroad, . 
N. Y., N. H. & Hartford Railroad 
New York & Hariem Railroad, 
N. Y. Cent. & Hudson River R.R. 
Peoria & Bureau Valley R.R., 
Pitts., McKeesport & Y. R.R., 
Rensselaer & Saratoga Railroad 
Sharon Railroad of Pennsylvania 
Empire A Bay States Tel. Co., 
Holyoko Water Power Company 
Northwestern Telegraph Co., 
West End Street R'y Co., Boston 
Georgia State bonds, .... 
Brooklyn Wharf and Warehouse Co bonds, 
Ashland, Oregon, water bonds, • 
Brantford, Canada, bonds, 
<lue1ph, Canada, bonds, .... 
Victoria, British Columbia, bonds, . 
Town of St Henry, P. Q., bonds. 
Province of New Brunswick bonds, 
Columbus, O., improvement bonds, . 
Fostoria, O., water bonds, 
Learen worth City and Ft. Leav^th water b'ds 
Hannibal, Mo., ^*hool bonds, . 
Northwestern Telegraph Co. bonds, 
Naarokeag Street RMIway Co. bonds, 
Superior, Wis., improvement bonds, 
Urb:iDa, O., giks bonds, .... 
Canadian Pac. 1st mort Land Grant R R. bMs 
Cedar Rapids, Iowa Falls & N. W R'y bonds 
Chicago & Northwestern R'y bonds, 
Chicago & Western Indiana R.R. bonds, . 
Chicago, Burlington & Quincy R R. bonds, 
Chic , Rock Island & Pacific R.R., . 
Cincinnati, Uayton A Ironton bonds, 
Erie Railway consols, .... 
Minneapolis Union Railway Co., 
N. Y., Lackawanna & Western R.R., 
N. Y , N. H. & H. R.R. debentures, . 
St. Paul, Eastern & G. Trunk, . 
Tenre Haute & Logansi>ort R.R., 
Terre Haute & Peoria bonds, . 
Texas & New Orleans bonds, . 



PAr Valn«. 

120,000 00 
12,000 00 

100,000 00 
50,000 00 

150,000 00 
12,500 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
25,000 00 
15,000 00 

182.000 00 
75,000 00 
20,000 00 
25,000 00 
75,000 00 
50,000 00 
25,000 00 
24,000 00 
20,000 00 
75,000 00 
5,000 00 
10.000 00 
25,000 00 
25,000 00 
20,000 00 
25,000 00 
25.000 00 
25,000 00 
25,000 00 
44,000 00 
50.000 00 
47,000 00 

140,000 00 
10,000 00 
25,000 00 
25,000 00 
50,000 00 
50,000 00 
50,000 00 
75,000 00 
10,000 00 
60,000 00 
25,000 00 
54,000 00 



Market Valu«. 
•34,500 00 

2,400 00 
92,000 00 
82.500 00 

270,000 00 
36,250 00 
47,250 00 
85,000 00 
32,500 00 
92,000 00 
27,500 00 
11,475 00 

382,800 00 
86,250 00 
26,000 00 
28,750 00 
75,000 00 
54,500 00 
28,125 00 
28,200 00 
23,400 00 
81,750 00 
5,212 50 
10,700 00 
26.250 00 
27,500 00 
21,000 00 
29,000 00 
25,000 00 
25,250 00 
25,000 00 
48,950 00 
51,500 00 
53,580 00 

159,000 00 
10,100 00 
26,125 00 
27,000 00 
70,000 00 
60,500 00 
67,000 00 

102,375 00 
11,300 00 
50,000 00 
21,250 00 
59,670 00 



$2,802,150 00 13367,801 50 



326 



PHCENIX INSURANCE CO. 



Secarilies held as collateral for cash loans : — 



78 shares Travelers* losunmce Companj, 
340 

70 
108 

64 

25 



u 



M 



M 



ci 



Landers, Frary & Clark, . 
Soothem New England Tel. Co., 
Atlantic Dock Company, 
Hartford Carpet Company, . 
Chic, Milwaukee & St. Paul R.R., 



Market YaIim. LemntA TherMR. 

f 16,644 00 19,000 00 
6,000 00 > 
6,860 00 S 
10,800 00 } 
»fi20 00 S 
8,125 00 



9,000 00 

11,200 00 

2,000 00 



f 46,449 00 #81,200 00 



SCMMARY OF ASSETS DeC. 81, 1896. 



Cash value of isneneumbered real estate. 
Loans on mortgage of real estate (lirst liens*) 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash In the office of the company, . 
Cash deposited in bsmk, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross). 
Rents due and accrued, .... 

Reinsurance due, 

Gross assets, 

Deduct special deposits in other States, . 



1498,906 04 

188,806 91 

8,544 61 

8,867301 50 

81,200 00 

80,548 06 

216,910 59 

9,058 12 

511,808 41 

6,842 27 

7.896 66 



15,877318 17 
298387 50 



Balance, $5,078,930 67 



Liabilities. 

Losses adjusted and reported, • 
losses disputed or resisted. 
Unearned premiums on nutstnnding risks. 
Commissions and brokerage, . 

Gross liabilities, except capital, . 
Deduct liability on special deposits, 



. 9858,667 26 
38,745 18 

. 2,201,426 71 
57,552 75 

. 12,651,891 85 
153,994 73 



2,497,897 12 



Surplus as regards policy holders, .$2,581,533 56 

Paid-up capital, 2,000,000 00 

Surplus over capital, . . $581^583 55 

* Valne of lands mortgaged, ....... tSW,640 00 

ValiM of bnildtngs thereon ISB.SM 00 

Amount of Inkorancc beid ai eollnteral, ftl,27& 00 



PHC£NIX INSURANCE CO. 327 



Income. 

Fire premtaros outstanding Dec. 81, 1895, . $505,676 87 
Premiams on risks written or renewed, . . 8,438,780 57 

Total 18,944,457 44 

Premiums now in course of collection, . . 511308 41 

Entire premiums collected, . * . . 18,432,649 03 

L^ss reinsurance and return premiums, . . 480,739 25 

Net casli fire premiums received, . . . 12,951,909 78 

Interest received on moitgages, 9,802 36 

Interest and dividends received from all other sources, . . 183,042 53 
Income from rents, 8,088 64 

Gross cash income, f 3,152,843 31 

£xPeNDITCRK8. 

Cash paid for fire losses $1,836,472 64 

Dedoct salvage and reinsurance, .- . . 144,767 84 

Net cash paid for fire losses, .... $1,691,704 80 

Cash dividends paid, 280,000 00 

Cash paid for commissions and brokerage, .... 502,076 60 

for salaries of officei*s and employees, . . 193,919 72 

for State and local taxes, 67,712 96 

for incidentals, 311,041 02 

Gross cash expenditures, ....... $3,046,455 10 

Risks and Prehiums. 

Premlamt. 

Fire risks outstanding Dec. 3t, 1895, . $430,488,587 00 $4,905,857 87 
Fire risks written during 1896, . . 308,107,877 00 3,438,780 57 

Total, $738,596,464 00 $8,344,638 44 

Deduct risks expired and terminated, . 340,407,643 00 3,813,609 78 

In force at end of year, .... $398,188,821 00 $4,531,028 66 

Miscellaneous. 

Premiums received from organization of company, . $65,137,673 00 
Losses paid from organization of company, .... 39,739,175 00 

Fire losses incurred during the year, 1,755,310 00 

Cash dividends declared from organization of company, . 6,965,000 00 
Dividends declared during the year (14 per cent.),. . . 280,000 00 
Company's stock owned by directors, ' . • . . . 61,400 00 



328 



PROVIDENCE WASHINGTON IN6UBANCE CO. 



"PROVIDENCE WASHINGTON INSURANCE COMPANY,'' 

PROVIDENCE, R. 1. 

[Ineorponted 1799. Gommenoed bnalnen 1799.] 

Paid-xtp OatitaLp $400,000. 

J. H. DlWOLF, PfeHdetU. B. L. WATSON, JB^erelarf, 



Detailed Statement of Stocks 

Boston & Providence Railroad bonds, 
Boston & Maine Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Bath Gas & Electric Company bonds. 
City of Pawtacket bonds, . 
Cleveland Electric Railwa}"^ bonds, . 
Colnmbus Street Railway bonds, 
Lehigh Valley Railroad Company bonds, 
Mon-is & Essex Railroad Company bonds, 
New York, New Haven & Hartford R.R. bonds, 
Rensselaer & Saratoga Railroad bonds, . 

260 shares Fourth Nat'l Bank, New York, . 

340 

300 

500 
1,000 

300 

800 

600 

400 

600 

800 

200 

660 

600 

200 

100 

200 

600 
1,600 



»i 



u 



ift 



u 



t« 



4i 



ii 



t( 



M 



t« 



U 



•i 



«c 



•( 



c« 



tl 



u 



Nat'l Bank of Commerce, N. Y., . 
National Park Bank, New York, . 
American NatU B'k, Providence, 
Blackstone Canal Nai*l B'k, Prov., 
Commercial NaCl B'k, Pro v.. 
Manufacturers^ Nat'l B*k, Prov., . 
Merchants^ Nat'l B'k, Providence, 
Mechanics* NatM B'k, Providence, 
NatM Bank of Commerce, Prov., . 
National Eagle Bank, Providence, 
Weybosset Nat'I B'k, Providence, 
Providence Gas Company, . 
Chicago & Alton Railroad Co., . 
Chic & Northwestern R'y Co., , 
N. Y. Cent & Hudson River R.R., 
Old Colony Railroad, . 
Oswego & Syracnse R.R. Co., 
What Cheer Corporation, . 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Prem's more than three mos. due, |2,862 23 
Gross assets, 



AND Bonds. 

Par Valae. 

$100,000 00 
10,000 00 
25,000 00 
3.000 00 
26,000 00 
10,000 00 
10,000 00 
60,000 00 
26,000 00 
64,000 00 
12,000 00 
25,000 00 
34,000 00 
30,000 00 
26,000 00 
26,000 00 
15,000 00 
30,000 00 
25,000 00 
20,000 00 
25,000 00 
16,000 00 
10,000 00 
27,500 00 
60,000 00 
20,000 00 
10,000 00 
20,000 00 
26,000 00 
200,000 00 



Market Talne. 
1106,000 00 

11,700 00 
24,260 00 

2,700 00 
26,000 00 
10,300 CO 
10,000 00 
61,600 00 
34,250 00 
72,900 00 
17,620 00 
46,000 00 
69,020 00 
79,600 00 
21,760 00 
26,000 00 
13,600 00 
42,000 00 
31,500 00 
21,200 00 
20,600 00 
16,600 00 

8,600 00 
46,760 00 
98,400 00 
30,400 00 

9,600 00 

35,400 00 

61,250 00 

200,000 00 



$966,600 00 $1,231^90 00 

31, 1896. 

11,231,990 00 

1,380 64 

73,329 28 

197,536 62 

49379 37 

$ly564,115 71 



FSOYIDENGE WASHINGTON INSURANOE GO. 



329 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 



•7,014 46 

190,328 48 

2,063 00 



Total amount of losses, 1 1 99,405 94 

Less reinsurance, 59,894 99 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
ReiDstirance disallowed, .... 
Gross liabilities, except capital, 



1139,510 95 

769,762 90 

11,874 40 

28,550 11 

12,830 65 



f 962,529 01 



Surplus as regards policy holders, $591,586 70 

Paid-up capital, 400,000 00 



Surplus over capital, 1191,586 70 



Income. 



Fire premiums outstanding Dec. 31, 1895, 
Same not collected, 



Net collected, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 
I^ess reinsurance and return premiums, . 
Net cash fire premiums received, . 
^larine premiums outstanding Dec. 31, 1895, 
Same not collected, ..... 



Net collected, .... 
Premiums on risks written or renewed. 



Total 

Premiums now in course of collection, 



Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash maiine premiums received. 

Interest and dividends received from all sources. 



1138,994 43 
7,727 58 

1131,266 85 
1,155,336 97 

11,286,603 82 
141,504 19 

11,145,099 63 
260,381 66 

191,598 30 
6C5 22 

190,993 08 
459,435 73 



1550,428 81 
102,405 2B 

$448,023 58 
121,186 85 



$884,717 97 



326,836 68 
51/>58 92 



Gross cash income, ........ $1,263,113 57 



330 



PROVIDENCE WASHINGTON INSURANCE CO. 



Ekpeni>itures. 

Cash paid for fire losses, . • . . 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . . 
Gash paid for marine and inland losses, . 
Deduct salvage and reinsurance. 
Net cash paid for marine and inland losses^ 
Cash dividends paid, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



(571,202 64 
79386 01 

•867,798 19 
90,008 88 



$491,316 63 



277,784 86 
32,000 00 

224,688 71 
88,432 95 
27,069 16 
66,627 40 



Gross cash expenditures, $1,201,769 21 



Risks and Premiums. 

^ PranhuBft. 

Fire risks outstanding Dec. 81, 1896, . . 1188,631,418 00 f 1,460,928 24 
Fire risks written during 1896, . . 116,406,486 00 1,166,886 97 



Total, 

Dedact risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 

Marine risks outstanding Dec. 81, 1896, 
Marine risks written during 1896, . 



Total,. . . . . •. 
Deduct risks ex^^ired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, . 



•268,986,904 00 f2,616,260 21 
114,242,646 00 1,178,684 81 



$189,694,269 00 $1,442,626 40 
20,474,748 00 188,128 38 



$119,219,616 00 $1,269,602 07 

$7,646,041 00 $224,687 71 
91,817,661 00 469,436 78 



$98,968,602 00 $684,128 44 
92,661,716 00 472^94 67 



$6,411,886 00 $211,228 77 
1,082,^9 00 26,483 08 



$6,829,617 00 $184,745 69 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year. 
Gash dividends declared from organization of company. 
Dividends declared during the year (8 per cent.), . 
Company^s stock owned by directors, - . 



$27,486,861 00 
16,224,006 00 
608,736 00 
293,476 00 
2,128«668 00 
82,000 00 
48,200 00 



QUEEN INSURANCE GO. OF AMERICA. 



331 



"QDEEJJ IXSURANCE COMPANY OF AMERICA,'' NEW YORK. N. Y. 

[loeorpormted B«pt. U, 18B1. Commeiioed butlncM Bept. 11, 1S91.] 

Paid-up Capital, $500,000. 
JAMBS A. MACDONALD, Pf^tidmL GEO. W. BURCHBLL, Secretary, 



Detailed Statement of Stocks 



United States government bonds, 
District of Columbia bonds, 
New York City bonds. 
City of Brooklyn bonds, 
Xev Zealand stock, . 
Qoebec loan, 
Manitoba debentures, 
Halifax, N. S , stock, 

250 shares New York & Harlem Railroad, 

443 " 

517 " 

950 « 

360 •* 
1,400 " 

250 " 



*• United N. J. R.R. & Canal Co., 
" N. Y , Lack. & Western R.R., 
" Rome, Watert'n & Ogdensb'g R R 
•* Pitts., Ft. Wayne & Chicago R.R 
" Morris & Essex Railroad, . 
** Rensselaer & Saratoga Railroad, 
Farmers' Loan & Trast Company stock, . 
United States government bonds, . 
N. Y., Lack. & Western Railroad bonds, . 
Chicago & Southwestern Railroad bonds. 
North Wisconsin Railroad bonds, . 
Chicago, Burlington & Qnincy R.R. bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Fremont, Elkhorn & Mo. Railroad bonds, 
Chicago, Mil. A St. Paul Railroad bonds, 
Chicago & Northwestern sinking fund bonds 
Baltimore & Ohio Railroad bonds, . 
Pennsylvania Company Railroad bonds, . 
Morris & Essex Railroad bonds, 
Michipin Central Railroad bonds, . 
Lake Shore & Michigan Southern R.R. bonds 
Canada Southern Railroad bonds, . 
Chic, St. Paul, Minn. & Omaha R.R. bonds, 
Albany & Susquehanna Railroad bonds, . 
Detroit 4t Bay City Railroad bonds, 
Noitfaem Pacific Railroad bonds, . 
I^uisTille & Nashville Railroad bonds, . 
Eransville & Indianapolis Railroad bonds, 
Consolidated Gas Co. of New York bonds. 



AND Bonds. 

Par Valoe. 

1476,000 00 
340,000 00 
826,000 00 
126,000 00 
49,000 00 
24,600 00 
29,400 00 
60,000 00 
12,600 00 
44,300 00 
61,700 00 
96,000 00 
86,000 00 
70,000 00 
25,000 00 
10,000 00 
90,000 00 
200,000 00 
10,000 00 
80,000 00 
40,00Q 00 
35,000 00 
10,000 00 
106,000 00 
49,000 00 
10,000 00 
60,000 00 
110,000 00 
23,000 00 
40,000 00 
25,000 00 
26,000 00 
26,000 00 
20,000 00 
62,600 00 
15,000 00 
26,000 00 
20,000 00 



Market Valiia. 

•560,309 66 

868,829 17 

326,000 00 

133,616 68 

49,000 00 

24,600 00 

29,400 00 

66,000 00 

81,978 98 

99,744 18 

66,983 38 

106,136 00 

66,613 30 

100,160 10 

42,437 60 

71,600 00 

99,676 00 

245,648 91 

10,364 27 

86,627 22 

41350 08 

85,308 10 

11360 96 

108,656 89 

61,110 47 

8,791 67 

60,906 68 

146,612 63 

23,742 74 

44,970 76 

26,873 11 

28,805 58 

28,376 00 

23,086 07 

42,658 24 

15,280 91 

20,000 00 

20.388 00 



•2,783,900 00 13,240,789 43 



332 



QUEEN INSURANCE CO. OF AMERICA. 



Summary of Assets Dec 

Cash value of UDencurabered real estate, 

Stocks and bonds, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in bank, . 

Interest due and accrued, . 

Premiums in course of collection (gross) 

Notes taken for fire risks, 

Reinsurance due, .... 

Prem*s more than three mos. due, f 6,953 73 

Gross assets, .... 
Deduct special deposits in other States, 



Balance, 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 
Less reinsurance. 



Liabilities 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Miscellaneous, 



Gross liabilities, except capital. 
Deduct liability on special deposits. 

Surplus as regards policy holders, . 
Paid-up capital, . . . . 



Surplus over capital. 



Income 

Fire premiums outstanding Dec. 31, 1895, 
Same not collected, .... 



Net collected, .... 
Premiums on risks written or renewed. 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums. 

Net cash fire premiums received, . 

Interest and dividends received from all sources, . 



81, 1896. 

1466,222 09 

8,240,789 43 

19,590 82 

281,914 18 

41,605 80 

298,795 77 

551 45 

22 80 



$4,849,891 U 
481,900 00 

$8,917,491 34 



$56,817 06 
81,810 16 
83,270 00 

•171,897 22 
2,555 94 

•169,841 28 

1,642,275 68 

16,619 89 

69,656 66 

88,973 46 

4,183 57 

•1,936,050 54 
299,054 44 



•1,636,996 10 

2,280,495 24 

500,000 00 

•1,780,495 24 



•298,258 70 
984 99 

1297,323 71 
2,551,818 86 

•2,849,142 57 
806,300 95 

•2,542,841 62 
524,766 18 



•2,018,075 44 
134,715 91 



Gross cash income, •2,152,791 2)d 



THE READING FIRE INSURANCE CO. 



333 



Expenditures. 

Cash paid for fire losses $1,212,445 32 

Dedaet salvage and rt'insnrance, . . . 49,815 13 

Net cash paid for fire losses, .... $1,162,630 19 

Cash dividends paid, 60,000 00 

Cash paid for commissions and brokerage, .... 319,002 05 

for salaries of officers and employees, . . . 161,334 47 

for State and local taxes, 48,035 71 

for incidentals, 128,276 74 

Gross cash expenditures, .$1,869,279 16 



Risks and Premiums. Preminms 

Fire risks outstanding Dec. 31, 1895, . $305,048,633 00 $3,456,534 11 
Fire risks written during 1896, . . 226,595,623 00 2,551,818 86 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$531,644,256 00 $6,008,352 97 
225,617,066 00 2,581,884 19 



$306,027,190 00 $3,426,468 78 
16,401,221 00 168,874 22 



$289,625,969 00 $3,257,594 56 



Miscellaneous. 

Premiums receivc<1 from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year. 

Cash dividends declared from organization of company 

Dividends declared during the ylsar (10 per cent ), 

Company's stock owned by directors, . . . * 



$12,069,686 00 
6,634,601 00 
1,104,664 00 
100,000 00 
5n,000 00 
7,000 00 



-THE READING FIRE INSURANCE COMPANY," READING, PA. 

[Ineorporated Joly 8, 1867. Commenced basinest July 8, 1867.J 

Paid-up Capital, (250,000. 
WaC. A. ARKOLD, PrtHdent. 8. B. ANCOXA, Secretary, 



Detailed Statement of Stocks and Bonds. 

Par Valae. 

Philadelphia & Reading Railroad bonds, . 
Perkiomen Railroad bonds, .... 

United States bonds, 

250 shares Reading Gas Company, . 



$36,000 00 

2,000 00 

80,000 00 

6,250 00 



Market Valae. 
$34,020 00 

2,020 00 
33,000 00 
15,250 00 



334 



THE READIXO FIRE INSURANCE GO. 



124 shares So. Reading Market Hoase Co., 
East Pennsylvania Railroad, . 
National Union Bank, Rendinor, 
Fanners' National Bank, Reading, 
Second National Bank, Reading, 
Reading Trust Company, 
Reading City Passenger Railway, 

Reading City Passenger Railway bonds, . 

South Reading Market House Company scrip, 



200 
150 

60 
100 
720 

70 



•• 



u 



M 



»« 



U 



ParValqe. 
•3,100 00 

10,000 00 

8.750 00 

1,500 00 

10,000 00 

72,000 00 

8,500 00 

6,000 00 

900 00 



Maitet TalM. 

(4,080 00 

10,600 00 

13,650 00 

3,750 00 

18,000 00 

93,600 00 

7,660 00 

6,375 00 

900 00 



$185,000 00 $242,755 00 



Securities held as collateral for cash loans 

80 shares National Union Bank, 
6 
61 
70 
25 
8 
89 
10 
150 
89 
70 



•« 



II 



M 



II 



II 



•4 



»l 



Citizens^ Bank, 
Reading Trust Co., . 
National Union Bank, 
Second National Bank, 
First National Bank, 
Reading Hardware Co , 
Second National Bank, 
Keystone Wagon Company, . 
South Reading Market House Co., 
Philadelphia & Reading Railroad, 

Philadelphia & Reading Railroad bonds. 

Rending Foundry Co. bonds, . 

Judgment notes secured, .... 

Assignment of mortgage, .... 



Market Vtlne. 

$7,280 00 
340 00 
6,630 00 
6,370 00 
4,500 00 
1,744 00 

11,125 00 
1,800 00 

15,000 00 

1,267 50 

918 75 

6,187 50 

25,000 00 

150 00 

8,500 00 



i 



t 



Loaned Thereon. 

$6,500 00 

2,400 00 
5,000 00 

8,000 00 

8,000 00 

1,500 00 

9,000 00 

700 00 

6,000 00 

25,000 00 
150 00 
500 00 



$91,812 75 $67,750 00 



Summary of Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, $64,700 00 

Loans on mortgage of real estate (first liens *), 320,449 00 

Interest due or accrued thereon, . . . 8,107 17 

Stocks and bonds, as per schedule, . . . 242,755 00 

Loans on collateral security, as per schedule, . 67,750 00 

Cash in the office of the company, . . • 17,936 21 

Cash deposited in bank, 44,744 32 

Interest due and accrued, 1,115 18 

Premiums in course of collection (gross), • 81,309 88 

Rents due and accrued, 78 97 

Reinsurance, 340 80 

Gross assets, $794,286 08 

* Value of laoda mortfaged, $S4S,M0 00 

Valae of baildtoge thereon, 40t,1M 00 

Amoant of loaoraoco held aa collateral, .... M2,llfi 00 



THE READING FIRE INSURANCE CO. 



335 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and n>i)orted, . 

disputed or resisted. 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies. 
Dividends to stockholders, unpaid, . 
State and local taxes. 
Commissions and brokerage, . 
Return preminms, . . | . 
Gross liabilities, except capital. 



Surplus as regards policy holders, 
Paid-up capital, . 



»U,605 77 
8,142 67 
6,600 00 

249340 02 
4,442 92 
1,148 80 
1,055 63 
6,215 02 
8,728 18 



1295.778 91 

1498,507 12 
250,000 00 



Surplus over capital, $248,507 12 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed^ . 

Total, 

Premiums now in course of collection, . 



•29,472 31 
374,596 49 

$404,068 80 
31,309 38 



Entire premiums collected, .... $372,759 42 
I..ess reinsurance and return premiums, . . 11,783 96 

Net cash fire premiums received, . . . $360,975 46 

Interest received on mortgages, 20,015 02 

Interest and dividends received from all other sources, . 12,750 93 

Ixicome from rents and commissions, 3,060 05 

Gross cash income, • t^d^iSOl 46 

Expenditures. 

Cash paid for fire losses, $192,400 67 

Deduct salvage and reinsurance, . . . 4,586 74 

Net cash paid for fire losses, .... $187,813 93 

Cash dividends paid 19,940 40 

Cash paid for commissions and brokerage, .... 63,808 79 

for salaries of officers and employees, . . 11,783 00 

for State and local taxes, 8,31176 

for incidentals, 29,967 67 

Gross cash expenditures, $321,620 55 



336 THE RELIANCE IN8UBAKGE GO. OF PHILADELPHIA. 



Risks and Premiums. 



Fire risks outstanding Doc. 31, 1895, 
Fire risks written during 1896, 



. $46,680,764 00 
. 31,869,320 00 



Total, 178,660,084 00 



Deduct risks expired and terminated, 



. 34,963,086 00 



In force at end of year, 143,586,999 00 

Deduct amount reinsured, .... 682,249 00 



Net amount in force, . . * . $43,004,760 00 
Perpetual risks in force, $146,760 00 



Miscellaneous. 

Premiums received from organization of company, • 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company. 
Dividends declared during the year (8 per cent ), . 
Company's stock owned by directors, .... 



Pranlai 

$643,965 72 

374,596 49 

$918,562 21 
417,595 25 

$500,966 96 
6,090 03 

$494376 93 

•4,715 20 



$4,120,528 00 

2,234,941 00 

169,154 00 

437,561 00 

20,000 00 

57,900 00 



"THE RELIANCE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Inoorporatcd April 21, 1841. Commenced bnslDeee Aug. 0, 1841.] 

Paid-up Oapitai., $800,000. 
WILLIAM CHUBB, Pretident, CHAS. J. WI8TER, Jr., Stcrftary. 



Detailed Statement of Stocks 



United States bonds, . 
Cily of Philadelphia bonds, 
City of Pittsburgh, Pa., bonds, . 
City of Quincy, HI., bonds, 
City of Wilmington, Del., bonds. 
City of Chester, Pa., bonds. 
So. Betblehcn), Pa , bonds, 
Atlantic City, N. J., bonds, 
New Castle County, Del , bonds, 
United Company of New Jersey bonds, 
Lehigh Coal & Navigation Co bonds, 
Lehigh Valley Railroad Co. bonds, . 
Easton & Amboy Railroad Co bonds. 
North Pennsylvania Railroad Co. bonds, 
Louisville & Nashville Railroad Co. bonds. 
Northern Central Railroad Co. bonds, 
Pliiladclphia & Erie Railroad Co. bonds, 



AND Bonds. 

ParValne. 
$15,000 00 

10,000 00 

48,000 00 

16,000 00 

20,000 00 

6,000 00 

4,000 00 

5,000 00 

6,000 00 

6,000 00 

20,000 00 

45,000 00 

20,000 00 

15,000 00 

8,000 00 

10,000 00 

25,000 00 



Market Value. 

116,575 00 

10,700 00 

50,430 00 

15,000 00 

21,500 00 

5,200 00 

4,040 00 

5,100 00 

• 5,600 00 

5,425 OO 

20,400 00 

45,600 00 

21,300 00 

17,800 00 

9,040 {*} 

11,175 00 

29,625 00 



THE RELIANCE IN8URAN0E GO. OF PHILADELPHIA. 337 



Phila. & Baltimore Central R.B. Co. bonds, 
Pennsylvania Railroad Co. consols bonds, 
Steobenrille & Ind. Railroad Co. bonds, . 
Camden & Atlantic Railroad Co. l»onds, . 
Pens. & New York Canal Co. bonds, 
Car Trust of New York certificates, 
AUentown Termin&l Railroad Co^ bonds, 
Philadelphia & Reading Railroad Co. bonds, 
Delaware River Ferry Co. bonds, . 
200 shares Commercial Nat^l Bank stock, 

25 " Mechanics* National Bank stock, 
Philadelphia Traction Co. bonds, 
People's Pass. R^y Co. stock trust certificates 
Pennsylvania & New York Canal Co. bonds, 
New York & Long Branch R.R. Co. bonds, 
Second Ave. Tract. Co., Pittsburgh, Pa., bonds, 
International Navigation Co. bonds, - . 
Huntingdon & B. T. Mt R.R. & Coal Co. bMs 
Omaha Water Co. bonds, .... 
Pitts., Chart'rs * Youghiogheny R'y Co. b'ds 
Pitta » Cin. & St Louis R'y Co. bonds, . 



Par Valae. 
$10,000 00 

4,000 00 
10.000 00 
80,000 00 
40,000 00 

1,000 00 
16,000 00 
20,000 00 
10.000 00 
10,000 00 

2.600 00 

6,000 00 
10,000 00 
20,000 00 

6,000 00 
16,000 00 

6,000 00 
10,000 00 
10,000 00 

7,000 00 
10,000 00 



Markel Vala«. 

•10,600 00 

4,760 00 

11,000 00 

81,600 0) 

43,200 00 

1,000 00 

16,160 00 

22,800 00 

10,200 00 

6,000 00 

2,625 00 

6,076 00 

9,400 00 

19.300 00 

6,600 00 

16,460 00 

6,060 00 

10,600 00 

10,000 00 

7,700 00 

11,000 00 



1624,600 00 1662,320 00 



Summary of Assets Dec 

Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon, " . 
Stocks and bonds, as per schedule, . * . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Perpetual insurance deposit, ' . 

Gross assets. • • • . . 



Liabilities'. 
Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted. 

Total amount of losses. 
Less reinsurance. 

Net amount of unpaid losses. 

Unearned premiums on outstanding risks, 

Reclaimable on perpetual fire policies, ' . 




81, 1896. 

•90,000 00 

260,640 00 

8,623 28 

662,820 00 

672 02 

27,199 67 

48,033 61 

821 00 

686 00 



•2,622 86 
20,683 97 
11,938 22 

•36,146 ()6 
8,224 28 

•31,920 77 
241,288 83 
188,796 80 



•973,294 58 



• Vatae of Lnda mortgaged, . 
Taloe of balldloga thereon, • 
Amoant of Ineoranee held aa ooUaieral, 



$225,000 00 
280.400 00 
180,816 00 



338 THE RELIANCE INSURANCE CO, OF PHILADELPHIA. 



Coin mission 9 and brokerage, • 
Reinsurance disallowed, . 

Gross liabilities, except capital. 

Surplus as regards policy holders, . 
Paid-up capital, . . . • 



$10,433 12 
4,682 77 



1422,072 29 

•551,222 29 
300,000 00 



Surplus over capital, $251,22229 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, . • 

Interest received on mortgages. 

Interest and dividends received from all other 

Income from rents, 

Income from surveys, etc., . . , 
Deposits received for perpetual fire risks, 



Gross cash income. 



Expenditures 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, . • 
Net cash paid for fire losses, . • 
Cash dividends paid, .... 
Cash paid for commissions and brokerage, 

for salaries of ofiicers and employees, . 

for State and local taxes, 

for general expenses. 
Deposits returned on perpetual fire risks. 

Gross cash expenditures, . • 

Risks and Premiums. 



$46,928 51 
377,501 21 

$424,429 72 
48,033 61 

$376,396 U 
76,372 93 



sources, . 



$5,662 50 



$196,655 63 
23,484 86 



$4,414 50 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, • 



Total 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured, 



. $42,667,693 00 
. 84,606,090 00 



. $77,273,783 00 
. 83,173.960 00 

. $44,099,823 00 
. 3,863,874 00 

.$40,235,949 00 



Net amount in force, . 
Perpetual risks in force (not inclM above), . $5,340,894 00 



$300,023 18 

10,334 75 

27,117 36 

911 07 

429 71 



$338,816 06 



$173,170 77 
18,000 00 
71,181 29 
24,499 91 
9,817 49 
16,680 14 

$313,299 60 

Premlams. 

$491,278 10 
377,501 21 

$868,779 31 
359,208 02 

$509,571 29 
44,750 31 

$464,820 98 

$144,645 17 



ROCHESTER GERMAN INSURANCE CO. 



339 



M18CEIXANEOU8. 

Premiunis reoeived from organization of company. 
Losses paid from organization of company, . 
Fire losses incuiTed during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent), . 
Company^s stock owned by directors, .... 



•4,343,676 00 

2,677,943 00 

166,093 00 

844,697 00 

18,000 00 

43,150 00 



" ROCHESTER GERMAN INSURANCE COMPANY OF ROCHESTER, 

NEW YORK," ROCHESTER, N. Y. 

[loeorporated Feb. 16, 1872. Oonmraeed bnaiDaM Fab. 28, 1872.] 

Paid-up Oapitai^ $200,000. 
FBBDERICK COOK, Prttldent. H. F. ATWOOD, 8tcrti<uy, 



Detailed Statement of Stocks and Bonds. 



Rochester Railway bonds, . , . . 

Georgia State bonds, 

German American Bank of Rochester stock, . 
Title and Guarantee Co. of Rochester stock, . 



Par Vftloe. 

♦200,000 00 
26,000 00 
10,000 00 
10,000 00 



Market Valoe. 

1200,000 00 
25,000 00 
21,000 00 
10,000 00 



$245,000 00 $256,000 00 



Summary of Assets Dec. 81, 1896. 



Cash Talne of unencumbered real estate. 

Loans on mortgage of real estate (first liens *) 

Interest due or accrued thereon. 

Stocks and bonds, as per schedule, 

Cash in the office of the company. 

Cash deposited in bank, . 

Interest due and accrued. 

Premiums in course of collection (gross) 

Gross assets, .... 
Deduct special deposits in other States, 



Balance, 



$193,802 18 

893,366 37 

7,703 35 

256,000 00 

1,046 47 

66,802 63 

2,500 00 

57,837 22 



♦977,558 17 
25,000 00 

1952,558 17 



Liabiuties. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted. 



t548 49 
8,600 86 
3,100 00 



• Value of laDda mortgaged, $514,300 00 

Value of building! thereon, . 430,000 00 

Amount of Inauraoce held as collatorml, ..... 87S,860 00 



340 ROCHESTER GKRMAK IK8URAKCE CO. 

Unearned premiams on outstanding risks, • 1275^75 24 
Commissions and brokerage, .... 21,917 91 

Gross liabilities, except capital, • |309«542 00 

Deduct liability on special deposits, . 660 48 



1308381 52 



Surplus as regards policy holders, $645,676 65 

Paid-up capital, 200,000 00 

» 

Surplus over capital, . . $443,676 65 

Income. 

Fire premiums outstanding Dec. 81, 1895, . 155^79 87 
Premiums on risks written or renewed, . . 507,730 71 



Total $563,610 58 

Premiums now in course of collection, • . 57,337 22 



Entire premiums collected, .... $506,273 36 
Less reinsurance and return premiums, . . 158,090 69 

Net cash fire premiums received, . . • $348,182 67 

Interest received on mortgages, 18,419 70 

Interest and dividends received from afl other sources, . . 11,592 25 

Income from rents, 10,446 24 

Discount, 781 70 



Gross cash income, $389,422 56 

ExPENDirURES. 

Cash paid for fire losses, ..... $185,006 82 
Deduct salvage and reinsurance, . . . 26,413 12 

Net cash paid for fire losses, .... $158,593 70 

Cash dividends paid, 20,000 00 

Cash paid for commissions and brokerage, .... 66,^15 18 

for salaries of officers and employees, . . 28,348 19 

for State and local taxes, 14,459 85 

for general expenses, 35,123 98 

Gross cash expenditures, $322«5I0 90 

Risks and PREmuxs. 

Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, 



$59,100;176 00 $632,475 00 
45,777,017 00 507,730 71 



$104,877,193 00 $1,140,205 71 
50,382,758 00 570.721 50 



$54,494,435 00 $569,484 31 
508,140 00 6fi9i 05 



$53,986,295 00 $564,390 16 



RUTGERS FIRE INSURANCE CO. 



341 



Miscellaneous. 

Premiunis received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred daring the year, . * . • 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company^s stock owned by directors, .... 



17,902,700 00 

4,510,141 00 

143,161 00 

419,000 00 

20,000 00 

89,912 00 



•* RUTGERS FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[iMorponUed Oe(. 8,1868. •GoniDeooed bntineM Oct. 10, 1868.] 

Paid-ttp Gapxtai., f200,000. 

SDWARD B. FBLLOW8, PreHdsnt, HBSTRY C. KREI8BR, Secrelary. 

Detailed Statement of Stocks and Bonds. 

District of Colombia bonds, .... 
240 shares N. Y. Cen. & Hudson River R R., . 
300 ** Delaware, Lacks. & Western R.R., 
466 ^ Delaware and Hudson Canal Co , . 
SOO ** Consolidated Gas Company, N. Y., 
dO ■* Long Island Railroad, . 
187 *" Tradesmen's National Bank, N. Y., 



Summary of Assets Deo. 81, 1896. 

Cash value of anencumbered real estate, 
Loans on morigaore of real estate (first liens *), 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Ca«h in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued. 
Premiums in course of collection (gross), 
Prem^s more than three mos. due, %lb\. 44 
Gross assets, 



Liabilities. 



Losses adjusted, unpaid, . 
claimed and reported, 
disputed or resisted. 

Total amount of losses, 
Less reinsurance. 

Net amount of unpaid losses. 




Far Valoa. 


Mftrtcet Value. 


$60,000 00 


164,600 00 


24,000 00 


22,660 00 


16,000 00 


23,776 00 


46,600 00 


64,406 60 


80,000 00 


42,160 00 


2,600 00 


1,076 00 


7,480 00 


6,966 40 


$176,680 00 


$206,421 90 


I, 1896. 




•69,600 00 




28,700 00 




606 83 




206,421 90 




2,866 82 




14,480 38 




1,761 43 




10315 64 






$333,490 90 


168 11 


8,701 00 




2,000 00 





$6,769 11 
637 60 

$6,131 61 



• Value of lands mortgaged, $44,500 00 

Valoe of balldloga Uiereoo, ....... 26,fi00 00 

Amount of isaiiraiice held aa eollateral, 20,050 00 



342 



RUTGERS FIRE INSURANCE CO. 



Unearned premiums on ontstanding nsks. 
Due and accrued for rent, salaries, etc , . 
State and local taxes, • . . • 
Commissions and brokerage, . . • 

Return premiums, 

Reinsurance, 

Gross liabilities, except capital, 

Surplus as regards policy holders, . 
Paid-up capital, 



•56,149 75 




90 22 




116 95 




2,002 01 




1,126 66 




248 84 






f64366 04 




• • • 


1268,624 86 


• • • 


200,000 00 



Surplus over capital, ' . . 168,624 86 



Income. 

Fire premiums outstanding Dec. 81, 1895, 
Same not collected, 



Net collected, . . . • . 
Premiums on risks written or renewed, . 



•14,715 51 
74 60 

1 14,641 01 
111,714 40 



Total, 1126,355 41 

Premiums now in course of collection, . . 10,966 98 



Entire premiums collected. 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 
Interest received on mortgages, 



•115,888 43 
15,817 69 



Interest and dividends received from all other sources, • 
Income from rents, ........ 



•99,570 84 
1,385 CH) 
9,918 Ot 
2,205 0(1 



Gross cash income, $113,078 65 



ExPENDrrURES. 

Cash paid for fire losses, 

Deduct salvage and reinsurance. 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for general expenses, 



•53,529 45 
3,159 60 



$50,369 85 

20,000 0«^ 
23^106 

1U70 Ot^ 
2,609 6S 
6,908 27 



Gross cash expenditures, . 



$114,758 K> 



BCHUTLKILL FIBE IN8UBANGE CO. 



343 



Risks and Premiums. 



Fire risb ouUtaDding Dec. 31, 1895, 
Fire risks written daring 1896, • 



Total 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amoant reinsured. 

Net amoant in force^ 



tll3'23,289 00 
. 10,455,165 00 



Premlams. 

$122,416 93 
111,714 40 



t22,278,444 00 9234,131 33 
10,998,957 00 120,022 90 



$11,279,487 00 $114*108 43 
253,127 00 2,787 46 



.$11,026,360 00 9111,320 97 



MlSGBLLAKEOUS. 



Premiums received from organization of company. 
Losses paid from organization of company, . . • 
Fire losses incurred daring the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company^s stock owned by directors, .... 



♦3,732,502 00 

1,585,791 00 

41,593 00 

1,138,000 00 

20,000 00 

61,300 00 



-SCHUYLKILL FIRE INSURANCE COMPANY," PHILA., PA, 

[Inoorponted Aug. 29, 1896. Commenoed barinaM 8«pt. 18, 1896.] 

Paid-up Capital, $200,000, 
ALEXAETDBR BALFOUR, PreHdent, FZRCY W. CLARK, Secretary. 

Retailed jStaxement of Stocks and Bonds. 

Par VftliM. Market Valoe. 

United States bonds, $111,000 00 $126,817 50 

Schuylkill River East Side bonds, . . . 23,000 00 23,690 00 

$134,000 00 $150,507 50 
Summary of Assets Dec. 31, 1896. 



Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule. 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, 



$99,000 00 

1,164 67 

150,507 50 

4,694 89 

87,086 26 

1,020 83 

52,283 08 



$845,767 23 



* Total Taloe of property mortgaged. 
Amount of Inauranoe bold «a Gollaieral, 



$108,000 00 
18,600 00 



344 



SOHUTLKILL FIBS IM8CRANCE CO. 



Liabilities. 

Losses claimed and reported, • 
Losses disputed or resisted, . * . 
Unearoed premiums on outstanding ris&s. 
Due and accrued for rent, salaries, etc., • 
Commissions and brokerage, . 
Reinsurance, .... 
Gross liabilities, except capital, 



Surplus as regards policy holders. 
Paid-up capital, ... 



Surplus over capital, 




•6350 00 

2,500 00 

71,652 81 

10,456 61 

5,4U 69 

9,711 02 



1106,584 63 

1239,172 60 
200,000 00 

139,172 60 



Incomb. 

Fire premiums outstanding Deo. 31, 1895, 
Premiums on risks written or renewed, . 



•21^21 70 
281,622 98 



Total, . $258,144 68 

t^'emiums now in course of collection, . • 62,288 08 



Entire premiums collected, . • 
Less reinsurance and return premiums, . 
Net cash fire premiums receiyed, • 
Interest received on mortgages. 



1200,861 60 
89,752 28 



Interest and dividends received from all other sources, • 



tl61,109 32 
8,763 97 
5,462 58 



Gross cash income, • • $170,385 87 



Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 

for salaries of ofiieers and employees, 

for State and local* taxes, 

for incidentals, .... 



•56,117 12 

24,279 58 

8,270 00 

1,504 90 

2,848 60 



Gross cash expenditures, .••••.• $87,520 20 



Risks akd Pbemitms. 



Fire risks outstanding Dec. 81, 1895, 
Fire risks written during 1896, • 

i 

X otai, ..... • 
Deduct risks expired and terminated, 

In force at end of year, . • 
Deduct amount reinsured, 

Net amount in force, . . . 



12,568,784 00 
18,058,064 00 

•20,626,848 00 
6,445,922 CO 

•14,180,926 00 
4,001,919 00 



PicibIi 

$86^42 87 
281,622 98 

•268,165 35 
69384 08 

•198,831 27 
55,026 64 



•10,179,007 00 $143,304 63 



SEGI7BITY INSURANCE GO. 



345 



Miscellaneous. 

Premiams received from organization of company, 
Losses paid from organization of company, . 
Fire losses incarred during the year, 
Company^s stock owned by directors, 



♦229,776 00 

66,201 00 

62,3H8 00 

200,000 00 



••SECURITY INSURANCE COMPANY OF NEW HAVEN," 

NEW HAVEN, CONN. 

£IiMorporate4 April, 1841. ComnieDoed bosloMt April, 1841.] 
Paid-up Oapital, $200,000. « 
CHAS. 8. LSBTB, JPtetidtni. H. MASON, Seereiaiy, 



Detailed Statement of Stocks 

Tradesmen's National B% New Haven, stock, 
Second National Bank, New Haven, stock, 
Merchants' National Bank, N^w Haven, stock, 
Yale National Bank, New Haven, stock, . 
New Haven NatU Bank, New Haven, stock. 
New Haven Co. Nat'l B'k, New Hftven^ stock, 
First National Bank, New Haven, stock, . 
American Exchange Nl B'k, l^ew York, stock 
Western National Bank, New, York, stock, 
SoQtheni New England Telephony Co. stockj 
New York Steam Power Company stock, 
Chicago, Rock Island & Pacific R.R. stock, 
Cleve., Cin., Chicago & St. Lonis Ry. stock, 
Illinois Central Railroad stock, 
Delaware & Hadson Canal Company stock, 
Baltimore & Ohio R.R. receivers' certificates, 
Macon, Ga., Gas Light & Water Co. bonds, 
Minneapolis & St. Lonis Railroad bonds. 
New York & New England Railroad bonds. 
New York, New Haven & Hartford Railroad, 
Columbus & Hocking Coal & Iron Co. bonds, 
Somhem Railway bonds, ..... 
Central Railroad of Georgia bondsi . • • 
SoDthem New England TelephoneX^o. bonds. 
City of Indianapolis bonds, " . * . 
City of Omaha, Neb., borids, .... 
City of Superior, Wis., bonds, .... 



AND Bonds. 

Pftr Value. 
116,000 00 

11,700 00 

26,000 00 

20,000 00 

21,000 00 

18,880 00 

18,800 00 

10,000 00 

7,600 00 

9,000 00 

2,600 00 

11,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

4,000 00 

28,000 00 

6,000 00 

10,000 00 

10,000 00 

6,000 00 

2,000 00 

7,200 00 

10,000 00 

10,000 00 



Mftrtc^t Value. 

•22,720 00 

19,890 00 

22,600 00 

28.300 00 

86,7C0 00 

26,862 00 

18,620 00 

17,800 00 

8,700 00 

9,000 00 

1,648 33 

7,316 00 

7,400 00 

9,200 00 

11,900 00 

10,200 00 

6,600 00 

4,680 00 

82,600 00 

6,800 00 

8,000 00 

9,200 00 

1,?60 00 

2,060 00 

7,200 00 

10,800 00 

10,000 00 



1807,080 00 1860,780^8 



346 



SECUBITY IN8URAN0B GO. 



Socurities held as collateral for cash loans : — 

Merchants^ Natl Bank, New Haven, stock, 
Birmingham NU B*k, Birmingham, Ct, stock, 
U. S. Rubber Co. stock, .... 
Southern Now England Telephone Co. stock. 
Merchants^ NatU Bank, New Haven, stock, 
City Bank, New Haven, stock, . 
Mechanics^ Bank, New Haven, stock. 
Merchants^ NatU Bank, New Haven, stock, 
New Haven VVater Co. stock, . 
Mercantile Safe Dep. Co., New Haven, stock 

Southern R^y bonds, 

Delaware & Hudson Canal Co. stock, 

Rutland R.R. bonds, 

Bristol R.R. bonds, . • • • • 



SUMHAKT OF ASSETS DrO 

Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . • 
Cash deposited in bank, .... 
Interest duo and accrued, .... 
Premiums in course of collection (gross). 
Notes taken for marine and inland risks, 
Gross assets, . . • . • 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted. 



LlABIUTIES. 



Total amount of losses, 
Less reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital, • 

Surplus as regards policy holders, . 
Paid-up capital, 



Martet Value. 

$450 00? 
3,000 00 S 
2,730 00 
6,400 00 ? 
6,760 00 S 
4,026 00 
890 00 
460 00 
1,600 00 

600 00 j 

6,440 00 

11,900 00 

9,200 00 

7,000 00 



Loaned Thereon. 

t2<500 00 

2,100 00 
10,000 00 



6,600 00 

6,000 00 
20,000 00 

169,836 00 146,100 00 



} 



Surplus over capital, . 



31, 1896. 

$81,300 00 

148,418 78 

1,236 61 

360,730 33 

46,100 00 

128 77 

60,667 42 

1,028 69 

73,628 03 

3,428 80 



$766,666 43 



$6,296 34 

28348 01 

4,976 00 

$40,118 36 
3332 66 

$36,286 70 

387,236 03 

16,066 36 

1,067 36 



440,633 44 

$316,032 ^ 
200,000 00 



$116,032 99 



* Valoe of laode mortgaged, . • 

Valae of balldioge Ibereon, 
Amouoi of iuau ranee held at collatoral, . 



$821,M6 00 
121. 900 00 
121,000 00 



SECURITY INSURAKCE CX). 347 



Incohe. 

Fire prenainms outstanding Dec. 31, 1895, . $74,809 03 
Same not collected, 2,032 10 

Ket collected, 172,276 93 

Premiums on risks written or renewed, . • 626,855 14 

Total, $699,132 07 

Premiums now in course of collection, . . 68,573 89 

Entire premiums collected, .... $630,558 18 

Less reinsurance and return premiums, . • 139,376 46 

Net cash fire premiums received, . . . $491,181 72 

Marine premiums outstanding Dec. 31, 1895, . $4,664 01 
Same not collected, 52 06 

Net collected, $4,611 95 

Premiums on risks written or renewed, . . • 44,023 41 

Total, $48,635 36 

Premiums now in course of collection, . . 5,054 14 

Entire premiums collected $43,581 22 

Less reinsurance and return premiams, . . 10,675 62 

Net cash marine premiums received, . . 32,905 60 

Interest received on mortgages, 7,464 80 

Interest and dividends received from all other sources, . • 23,802 30 

Income from rents, 1,204 74 

Gross cash income, $556,559 16 



Expenditures. 

Cash paid for Gre losses, $279,509 58 

Deduct salvage and reinsurance, . . . 23,642 74 

Net cash paid for fire losses, .... $255,866 84 

Cash paid for marine and inland losses, . . $87,903 99 
Deduct salvage and reinsurance, . . . 39,668 21 

Net cash paid for marine and inland losses, . 48,235 78 

Cash dividends paid, 12,000 00 

Cash paid for commissions and brokerage, .... 120,815 30 
for salaries of ofiicers and employees, . . . 48,648 07 
for State and local taxes, 7,505 33 

Gross cash expenditures, ....... $493,071 32 



348 



SPRING GARDEN INSURANCE GO. 



Risks and Premiums. 



Fire risks outstanding Dec. 81, 1895, 
Fire risks \Vritten during 1896, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force. 

Marine risks outstanding Dec 81, 1895, 
Marine risks written during lB96, . 

Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, • 



•67,681,890 00 
65,801,868 00 

•183,432,758 00 
54,540.17 00 

$78,892,581 00 
4,555,840 00 



Premloms. 

•690,465 SO 
626355 14 

• 1,817,820 84 
575,843 88 

•741,976 46 
55,802 52 



•74,836,741 00 f686,678 94 



•504,020 00 
8,520,246 00 

•4,024.266 00 
3,895,058 00 

•629,218 00 
123,589 00 



•16,585 29 
44,023 41 

•60,558 70 
39,917 44 

•20,641 26 
3,171 67 



•505,674 00 (17,469 59 



MlSCELLA|7E0US. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year. 
Cash dividends declared from organization of company. 
Dividends dec];ircd during the year (6 per cent), . 
Company^s stock owned by directors, • • . , 



•9,478343 00 

6,425,107 00 

257,618 00 

41,772 00 

439.281 00 

12,000 00 

57,820 00 



"SPRING GARDEN INSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated April 15. 1886. CommeDced butineM Ang. S9, 18S5.] 

Paid-up Capital, $400,000. 
CHAS. BOBBBTS. PrettdenU CLA.BBNOB B. PORTKB, Seergtoft- 



Detailed Statemeitt of Stocks 



Allegheny Valley Railroad bonds, 
Baltimore Traction bonds. 
Bells Gap Railroad bonds, 
Buffalo Railway bonds, . 
Camden & Atlantic Railroad bonds, 
Camden, N. J., Horse Railroajd bonds, 
Chicago & Western Indiana Railroad bonds, 
ClcarOold & Jefferson Railroad bonds, . 



AND Bonds. 

Par Value. 
•20,000 00 
20,000 00 
20,000 00 
5,000 00 
10,000 00 
15,000 00 
15,000 00 
15,000 00 



Mutei Talm. 
$25,400 00 

20,000 00 
22,700 00 
5,000 00 
11,800 00 
15,750 00 
17.475 00 
17,250 00 



SPRING GABDBN INSURANCE CO. 



349 



Cleve., Columbas, Gin. & Indiana R.R. bonds, 
Cleveland Electric Railway bonds, . 
CoUimbas & Cincinnati Midland R.R. bonds, 
Easton & Aniboy Railroad bonds, . 
Edison Electric gold trust certificates, 
Electric & People's Traction certificates, . 
International Navigation Co. of N. J. bonds, 
Jacksonville & St l^uis Railway bonds, 
Jacksonville Southeastern Railway bonds, 
Jacksonville, Tampa & Key West R.R. bonds, 
Lehigh Coal & Navigation Co. bonds, 
Lehigh Valley Coal Co. bonds, 
l^high Valley Railroad bonds, 
Lehigh Valley R'y of New York bonds, . 
Mortgage Trust Co of Pennsylvania bonds 
New York & Long Branch Railroad bonds. 
Northern Pacific R.R. and Land Grant bonds, 
Oglethorpe Savings &!>. Co., Sav.,Ga., cert's, 
2tX) shares^Pennsylvania Nat'l Bank of Phila., 
Pennsylvania & N. Y. Canal and R R. bonds, 
Penns3'lvania & Northwestern R.R. bonds, 
Pennsylvania Steel Co. bonds, . . • 
People's Passenger R'y bonds, . 
Philadelphia & Reading Raihroad' bonds, 
Phila , Reading & New England R.R. bonds, 
Pitts., Cincinnati & St. I/Ouis R.R. bonds. 
Sanitary Dist. of Chicago bonds, 
Schuylkill River Bast Side Railroad bonds, 
Steabenville & Indiana Railroad bonds, . 
St. Louis Merchants' Bridge Terminal R*y, 
Sunbury, Hazetton & Wilkesbarre R'y bonds 
Terre Haute A Log;insport Railroad b<vnds. 
United Gsis Improvement Co. bonds, 
Wilmington & Northern Railroad bonds. 



Securities held as collateral for cash loans : — 

Lehigh Valley Annuity bonds, . 
duo shares Pennsylvania Railroad Company, 
500 ** Philadelphia Traction Company, 
200 " Welsbach Light, . 
12 ** Metropolitan Traction Company, 
Kansas City Railway bonds, . 
Reading Car Trust certificates, 
Bloomington City (111.) Railway bonds, . 
Ground rents, 



Par Value. 
$10,000 00 

6,000 00 
20,000 00 
10,000 00 
25,000 00 
80,400 00 
10,000 00 
29,000 00 

7,000 00 
10,000 00 
20,000 00 
10,000 00 
20,000 00 

5,0u0 00 
25,000 00 
lO.OOO 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
25,000 00 
10.000 00 
30,000 00 
80,^)00 00 
80,000 00 
80,000 00 
10,000 00 
10,000 00 

5.000 00 
10,000 00 
10,000 00 
20,000 00 
10,000 00 
25,000 00 



%» 



Market Value. 

12.200 00 
5,050 00 
12,400 00 
10,700 00 
28,750 00 
21,280 00 
10,200 00 
14,600 00 
7,000 00 
6,000 00 
25,400 00 
9,650 00 
24,600 00 
5,100 00 
25,' 00 00 
11,400 00 
11,500 00 
10,000 00 
17,000 00 
10,700 00 
25,500 00 
10,000 00 
80,550 00 
87,000 00 
12,000 00 
88,000 00 
10,650 00 
10,200 00 
5.525 LO 
10,400 00 
10.700 00 
17,000 00 
10,500 00 
26,250 00 



t7 11,400 00 t708,180 00 



Market Value. Loaned Thereon. 



1 14,760 00 

15,525 001 

88,375 00 

8, too 00 

1,8)8 00 

4,800 00 

2,000 00 J 

18,500 00 

54,000 00 



f 18,500 00 



54,000 00 



10,091 25 
82,020 00 



•147,668 00 fl09,611 25 



350 



SPRING GARDEN INSURANCE CO. 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens *) 
Interest duo or accrued thereon. 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash in the ofBce of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Rents due and accrued, .... 
Reclaimable on perpetual deposits, . 
Prem^s more than three mos. due, |595 24 
Gross assets, 

Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, . 



Total amount of losses. 
Less reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Due and accrued lor rent, salaries, etc., . 
State and local taxes, .... 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital. 



Surplus as regards policy holder^, 
Paid-up capital. 



Surplus over capital, • • 

Incohb. 

Fire premiums outstanding Dec. 81, 1895, 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection. 

Entire premiums collected. 
Less reinsurance and return premiums, 
Not cash fire premiums received, . 
Interest received on mortgages, 



31, 1896. 

$318,000 00 

176,000 00 

3,706 27 

708,180 00 

109,611 25 

13,789 15 

28,984 22 

1,886 40 

125,697 48 

1,290 00 

105 50 

225 00 



$4,804 35 

62,502 61 

9,575 00 

$76381 96 
24,484 61 

$52,397 35 

411,492 37 

883,684 57 

2,542 99 

1,279 11 

18,435 05 

89,249 44 

81,879 09 



$61,581 95 
773,479 76 

$835,061 71 
126,292 48 

$708,769 23 
194,545 29 



Interest and dividends received from all other sources, . 



$1,487,425 27 



940,459 97 

$546,965 SO 
400,000 00 

$146,965 30 



$514,228 94 

9,469 92 

41,284 45 



* Total valu« of property mortgaged. 
Amount of Inaaraoce hold m collateral, 



98i5,ftT5 00 
178.MO 00 



8T. PAUL FIRE AND MARINE INSURANCE CO. 



351 



Income from rents, 

Income from all other sources. 

Deposits received for perpetual fire risks, 



• 1,985 21 
1.411 U 



f 17,266 04 



Gross cash income, ••.••#.. 1568,324 66 



Expenditures. ' 
Cash paid for fire losses, 1292,974 61 

Deduct salvage and reinsurance, . . • 46,451 72 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of ofiicers and employees, 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, • f 9,901 ,44 




•245,922 89 
82,000 00 
119,545 76 
24,832 76 
21,328 74 
40,799 82 



Gross cash expenditures, 1484,429 47 



Risks and Premixjhs. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 

Deduct amount reinsured, . • 

Net amount in force, . . . 

Perpetual risks in force (not incPd above). 



$71,609,508 00 
81,187,887 00 

$152,797,345 00 
59,368,450 00 

$93,428,895 00 
14,003,424 00 

$79,425,471 00 

$17,685,764 00 



Premtami. 

$734,511 88 
773,479 76 

$1,507,991 64 
624,178 64 

$883,813 00 
135,168 47 

$748,644 53 

$420,760 63 



Miscellaneous, 

Losses paid from organization of company, . • 
Fire losses incurred during the year. 
Cash dividends declared from organization of oompany 
Dividends declared during the year (8 per cent.), . 
Compauy^s stock owned by directors, 



$4,011,185 00 

251.531 00 

1,833,215 00 

32,000 00 

78,200 00 



"ST. PAUL FIRE AND MARINE INSURANCE COMPANY," 

ST. PAUL, MINN. 

[Ineorpontad May, 180ft. OommeDoed bnaloew BCay, 1866.] 

Paid-up Capital, $800,000. 

C. H. BIOEIiOW, I^Hdtni. A. W. PBRRT, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Valaa. 

820 shares First National Bank, St. Paul, . 132,000 00 

600 •* Werrhanta' National Bank, St. Paul, 50,000 00 

50 *' Second Naiional Bank, St. Paul, . 5,000 00 



Market Yalne. 

176,800 00 
80,000 00 
12,500 00 



352 



ST. PAUL FIRE AND MARINE INSURANCE CO. 



382 shares St. Paul National Bank, St. Paul. 

46 

60 

50 

60 

80 

60 

46 
126 

60 
100 

60 
100 



it 



t( 



(C 



ct 



(t 



«( 



u 



u 



i( 



II 



First National Bank, Alexandria, 
Flour City Nat^l Bank, Minneapolis 
St. Paul Trust Company, St. Paul, 
West Publishing Co , St. Paul, 
First National Bank, St. Peter, 
First National Bank, Stillwater, 
Northwest^ NatU B'k, Minneapolis 
First National Bank, Minneapolis, 
American Exchange Bank, Duluth 
First National Bank, Duluth, . 
Northwestern NatU Bank. Superior, 
North Araer. Tel. Co., Minneapolis 
City of St. Paul, Minn., certificates, . 
City of Duluth, Minn., certificates, . 
City of Richmond, Va., bonds, . . 
State of Georgia bonds, .... 
City of Portland, Ore., bridge bonds, 
City of Portland, Ore., water bonds. 
County of Missoula, Montana, bonds, 
Chic.i St. Paul, Minneap. & Omaha R^y bonds 
C. N. Nelson Lumber Co., Minnesota, bonds, 
City of Faribault, Minn., bonds. 
City of Jordan, Minn., bonds, . 
Peoria Grape Sugar Co., Peoria, 111., bonds. 
Town of Vernon Centre, Minn., bonds, . 
Town of Jo Davies, Minn., bonds, . , . 
Town of Elmore, Minn , bonds. 
Town of Winnebago City, Minn., bonds. 
Village of Winnebago City, Minn., bonds. 
Town of Pilot Grove, Minn., bonds, . 
Town of Mazeppa,«Minn., bonds, . 
Town of Blue Earth City, Minn., bonds, . 
County of Kidder, N. D., bonds, 
County of Barnes dk Cass, N. D.,8chM dist bMs, 
Village of Detroit, Minn , school district bMs, 
County of Carver, Minn., school district bonds. 
School Dist. 11, Big Stone County, Minn, bMs, 
Count}' of Jerauld, S.D., school township bonds, 
County of Barnes & Cass, N. D., sch^l dist. bMs, 
Contracts of s:ile of lands, . . . . 
County of Ramsey tax sale certificate, • 
County warrants, ••••.. 



Securities held as collateral for cash loans : — 

242 shares Merchants^ National B'k, St. Paul, . 
471 " Savings Bank, St Paul, . 
64 ** Minnesota Land & Investment Co., 



PvVAlae. 

•33,200 00 
4,500 00 
6,000 00 
6,000 00 
2,600 00 
3,000 00 
6,000 00 
4,600 00 
12,600 00 
6,000 00 
10,000 00 
6,000 00 
10,000 00 
26,000 00 
10,000 00 
26,000 00 
26,000 00 
23,000 00 
27,000 00 
10,000 00 
60,000 00 
10,000 00 
25,000 00 
82,000 00 
2,000 00 
2,000 00 
6,600 00 
6,600 00 
10,000 00 
6,000 00 
6,000 00 
6,000 00 
86,000 00 
9,000 00 
7,600 00 
6,000 00 
2,600 00 
8.000 00 
1,200 00 
2,100 00 
7.688 77 
2,669 17 
1,190 44 



]foi%etV«lie. 
#26,560 UU 
6,300 00 
6,600 00 
3,000 00 
8,750 00 
8.750 00 
8,750 00 
6,075 00 
12,500 00 
7,600 00 
10,000 00 
5,000 00 
10.000 00 
25,000 00 
10,400 00 
25,000 00 
25,500 00 
26,405 00 
80,880 00 
10,910 00 
62,000 00 
10,000 00 
26,000 00 
32,000 00 
2,000 00 
2,000 00 
6,500 00 
6,500 00 
10,000 00 
5.000 00 
5,000 00 
5,000 00 
36,000 00 
9,000 00 
7,500 00 
5,100 00 
2,500 00 
8,000 00 
1.200 00 
2,100 00 
7,683 77 
2,669 17 
1,190 44 



1676,043 38 f681,123 38 



MftTk«t ValM. 

138,720 00 
66,940 00 
16.200 00 



Loaned ThcTBoa. 

$29,400 00 
60,600 00 
10,000 00 



ST. PAUL FIBE AND MARINE INSURANOE OO. 



353 



77 shares Minneapolis Union Elevator Co., • 
345 ** Farwell, Ozmun, Kirk & Co. stock, 

St. Paal, 

** Lake SnpY Eley. Co. stock, Dalnth, 
and real estate deed in St. Paul, . 
" Nonh American Telegraph Co , • 
■• Continental N'l B*k of Chicago, IIL, 
•« First N'l B% Little Falls, Minn., . 
•• Strong-Hackett HMware Co , St. PI, 
- Rutland Co. N'l B'k, Rutland, Vt , . 
** Peoina Grape Sugar Co., Peoria, 111., 
»• First N*l Bank of Pembina, N. D., . 
•* St. Paul Title Ins. & Trust Co., . 
** Eioneer Press Co , St Paul, Minn., 
Little Falls, Minn., Electric & Water Co. b*ds. 
Little Falls, Minn., Water Power Co bonds; . 
500 shares Spring Valley Coal Company, 
500 ^ St Paul Foundry Company, . 



Marktt Valna. LoMMd TbereMi. 

1 10,010 00 98,500 op 
87,950 00 22,700 00 



200 

150 

100 
50 
70 
76 

105 
65 
30 

124 



15,800 00 

15,000 00 

12,600 00 

7,500 00 

7,000 00 

10,500 00 

10,500 00 

7,150 00 

3,000 00 

4,030 00 

81,500 00 

22,500 00 

87,500 00 

25,000 00 



7,500 00 

10,000 00 

10,000 00 

5,000 00 

2,500 00 

7,500 00 

5,000 00 

5,500 00 

2,400 00 

3,200 00 

25,000 00 

11,606 03 

80,000 00 



9378,400 00 9256,406 03 



Summary of Assrts Dec. 81, 1896. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens *) 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross). 
Notes taken for marine and inland risks, 

Gro68 assets, 

Deduct special deposits in other States, . 



9568,936 86 
412,894 22 
681,123 38 
256,406 03 
12,413 57 
119,553 64 
174,900 27 
26,589 51 



92,252,817 48 
50,500 00 



Balance, 92,201,817 48 



Liabilities. 



Losses adjusted, unpaid, . 
claimed and reported, 
disputed or resisted. 



Total amount of losses. 
Less reinsurance. 



KeC amount of unpaid losses, . 
Unearned premiums on outstanding risks, 



937,595 36 

87388 00 

9,107 08 

9134,590 44 
4,181 11 

9130,409 33 
921,738 97 



Total raloe of mortfuged property, 
AoMuttt of lannraiMo held m ooUatoral, 



$023,800 00 
84»,10OOO 



354 8T. PAUL FIRE AND MABINE INSURAKCE GO. 

Commissions and brokerage, . • • • 126,235 04 
Keinsurance disallowed, 21^26 54 

Gross liabilities, except capital, / . $1,100,209 88 

Deduct liability on special deposits, • . 19,251 66 

11,080,958 22 

Surplus as regards policy holders, . • • • . .$1,120359 26 
Paid-up capital, 500,000 00 

Surplus oyer capital, t^^i^^ ^ 



Income. 

Fire premiums outstanding Dec. 31, 1895, . $190,110 87 
Premiums on risks written or renewed, . . 1,398,156 73 

Total $1,588,267 10 

Premiums now in course of collection, • • 174,900 27 

Entire premiums collected, .... $1,413,366 83 
Less reinsurance and return premiums, . . 215,780 29 

Net cash fire premiums received, . . . $1,197,636 54 

Marine premiums outstanding Dec. 31, 1895, . $27^63 01 
Premiums on risks written or renewed, . . 266,542 40 

Total, (294,405 41 

Premiums now in course of collection, . . 26^589 51 

Entire premiums collected, . • • • $267,815 90 
Less reinsurance and return premiums, . • 29,135 01 

Net cash mailne premiums received, . . 238,680 89 

Interest received on mortgages 42,940 10 

Interest and dividends received from all other sources, . . 38,620 75 

Income from rents, 10,008 25 

Gross cash income, • $1,527,886 53 



Expenditures. 

Cash paid for fire losses $690,572 08 

Deduct salvage and reinsurance, . . • 49,265 88 

Net cash paid for fire losses, .... $641,30680 

Cash paid for marine and inland losses, . . $184,559 72 
Deduct salvage and reinsurance, . . . 21,175 64 

Net cash paid for marine and inland losses, . 163,384 08 

Cash dividends paid, 50,000 00 

Cash paid for commissions and brokerage, . . • . 906,783 46 
for salaries of ofiicers and employees, . . . 68,242 70 
for State and local taxes, . • . . . 28,733 47 
for general expendes, 86,230 67 

Gross cash expenditures, ...•••• $1,344,680 58 



TEUTONIA IN8UBANGE CO. 



355 



Fire risks outstanding Dec. SI, 1895, 
Fire risks written during 1896, 



Risks akd Premiums. 

Premlams. 

1130,710,148 00 $1,747,791 66 
98,483,851 00 1,398,156 73 



Total, 

Deduct risks expired and terminated. 

In foive at end of year, . 
Deduct aiuount reinsured. 

Net amount in force. 

Marine risks outstanding Dec. 81, 1895, 
Marine risks written during 1896, . 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured, • • 

Net amount in force, . • 



$229,193,499 00 $3,145,948 38 
89,424,549 00 1,340,557 15 



$139,768,950 00 $1^05,391 23 
5,547,958 00 69,223 75 



$134,220,997 00 $1,736,167 48 



$3,499,065 00 
25,756.239 00 

$29,255,304 00 
25,614,955 00 

$3,640,349 00 
152,100 00 



$118,708 64 
266,542 40 

$385,251 04 
254,328 35 

$130,922 69 
5,563 49 



$3,488,249 00 $125,359 20 



MlSCELLiLMEOUS. 

Premiums received from organization of company. 

Losses paid from organization of company, . 

Fire losses incurred during the year. 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (10 percent), . 

Company^s stock owned by directors. 



$21,177,840 00 
13,373,239 00 
645,585 00 
170,462 00 
1,296,694 00 
50,000 00 
65,300 00 



-TEUTONIA INSURANCE COMPANY OF NEW ORLEANS,'^ 

NEW ORLEANS, LA. 

[iDoorponted April 12, 1871. GommeDeed batloMS June 1, 1871 ] 

Paid up OinrAL, $250,000. 
ALBKBT P. NOLL, Pre$iderU. GBOBaS METER, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Valm. 

New Orleans city bonds, $220,000 00 $239,450 00 

LomsiaDa SUte bonds, 160,000 00 155,600 00 

United States bonds, 50,000 00 55,500 00 

100 shares Canal Bank, New Orleans, . . 10,000 00 12,000 00 

25 ** GermaniaNalM Bank, New Orleans, 2,500 00 2,625 00 

10 «* Froridcnt Savings Bank, N. O., . 1,000 00 800 00 

$448,500 00 t^65,975 00 



356 



TEUTONU IKSUBAKCE GO. 



SuMMART OF Assets Dec 

Cash yalue of uneDcumbered real estate. 
Loans on mortgage of real estate (first liens *) 
Stocks and bonds, as per schedule', . 
Cash deposited in office and in bapk, 
Premiums in course of collection (gross). 
Gross assets, ..... 



31, 1896. 

$40,000 00 
15,750 00 

465,975 00 
82,386 68 
65,869 30 



1619,980 98 



LlABIUTIES. 

Losses adjusted, unpaid, . 
Unearned premiums on outstanding risks. 
Dividends to stockholders, unpaid, . 
Commissions and brokerage, . 

Return premiums, 

Reinsurance, 

Gross liabilities, except capital, 



Surplus as regards policy holders. 
Paid-up capital. 




$14,173 50 

186,235 45 

13,075 00 

1,947 30 

1,632 50 

455 26 



217,419 01 

$402^1 97 
250,000 00 



Surplus over capital, . $152^1 97 



Inooke. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed. 

Total, 

Premiums now in course of collection, 

Entire premiums collected. 
Less reinsurance and return premiums. 
Net cash fire premiums received, . 
Marine premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed. 



Total, 

Premiums now in course of collection. 



Entire premiums collected. 

Less reinsurance and return premiums, 

Ket cash marine premiums received. 

Interest and dividends ret^eived from all sonixses, • 



$58,893 36 
457,792 90 

$516,686 26 
63,823 70 

$452362 56 
125^15 01 

$2373 41 
26,093 09 

$28,966 50 
2,045 60 

$26,920 90 
7,423 50 



$827347 55 



19,497 40 
19,178 41 



Gross cash income, $866,018 36 



* Total vAloe of property mortgaged, . 
Amoaot of Intiimiee held aa eollateral. 



$87,800 00 
M,800 00 



TRADEBS' INSURANCE CO. 



357 



Expenditures. 

Cash paid for fire losses, $190,011 03 

Deduct salvage and rcinsarant^e, . . . 14,481 91 

Net cash paud for fire losses, " . * . ' . , 

Cash paid for marine and inland losses, 

Cash dividends paid, . ' . ' 

Cash paid for comoiissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

for general expense, 



Gross cash expenditures, .. 

Risks and Pbskiums. 



Fire risks outstanding Dec. 31, 1895 
Fire risks written during 1896, 



Total,. .... 
Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured, 

Net amount in force. 



Marine risks written during 1896, 
Kisks expired and terminated, . 




.$81,011,088 00 
. 28,048,487 00 



$69,059,570 00 
27,803,452 00 

$31,256,118 00 
1,352,979 00 



$175,529 11 
6,881 71 
25,000 00 
63,920 70 
23,357 97 
8,192 81 
17.481 72 

$320,314 02 



Premlaras. 

$841,608 73 
457,792 90 

$799,401 63 
417,821 27 

$381,580 36 
20,302 85 



.$29,903,139 00 $361,277 51 

. $5,862,877 00 $26,093 09 
. $5,862,877 00 $26,093 09 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year. 
Cash dividends declared from organization of company. 
Dividends declared during the year (5 per cent.), '. 
Company^B stock owned by directors, .... 



$5,727,663 00 

2,724.721 00 

172,437 00 

6,881 00 

538,892 00 

12,500 00 

82,100 00 



••TRADERS' INSURANCE COMPANY," CHICAGO, ILL. 

[looorpoimted February, 1865. Commenced buslDeM May, 18TS.] 

Paid-up Capital, $600,000. 
X. BUCKINGHAM, /Ve«<den«. R. J. SMITH, Seeretaiy. 

Detailed Statement of Stocks and Bonds. 

Par Valae. Market Value. 

United States bonds $150,000 00 f 164,625 00 

Chicago Packing & Provision Company bonds, 25,000 00 25,000 00 
North Chicago Street Railway Co. bonds, . 5,000 00 5,000 00 



358 



TRADERS INSURANCE CO. 



Chic. & Soath Side Rapid Transit R.R. Co. bds., 

ATuei'ican Exchange National Bank stock, 

National Bank of America stock, 

Union National Bank stock, 

Continental National Bank stock. 

Com Exchange Bank stock, 

Chicago & Alton Railroad stock, 

Chicago, Milwaukee & St. Paul Railway stock, 

Chicago & Northwestern Railway stock, 

Chicago City Railway stock, . 

Chicago Western Division Railway stock 

West Chicago Street Railroad stock 

North Chicago City Railway stock. 

North Chicago Street Railroad stock. 

National Railway stock, . 

Tri-City Railway stock, . 

Mutual Fuel Gas Company stock. 

Universal Gas Association stock. 

Central Music Hall stock, 

Chicago Leasehold Trustees stock. 

Town of Cicero warrants, 



Par Value. 
145,000 00 
25,000 00 
30,000 00 
20,000 00 
82,500 00 
10,000 00 
25,000 00 
50,000 00 
75,000 00 
180,000 00 

6300 00 
11,500 00 

5,000 00 
60,000 00 
56,700 00 
10,000 00 
13,600 00 
12.240 00 

2,200 00 
25,000 00 

8332 97 



HaitetT^BlM. 

$15,750 00 
23,500 00 
36,000 00 
18,600 00 
39,000 00 
26,000 00 
40,000 00 
47,750 00 
88,250 00 

387,000 00 

40,800 00 

9,430 00 

25,000 00 

114,000 00 
60,669 00 
10,000 00 
17,000 00 
12,240 00 
7,700 00 
25,000 00 
8,065 25 



•884372 97 $1.246379 25 



Securities held as collateral for cash loans : — 

Market Valne. Loaned Umimii. 

Chicago Auditorium Association bonds, . . $25,000 00 $22300 00 



Summary of Assets Dec. 31, 1896. 



Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross). 
Due for losses paid and premiums advanced, 
Prem^s more than three mos. due, . $885 54 
Gross assets, 



$6324 37 

232350 00 

5361 74 

1,246,379 25 

22300 00 

522 01 

76327 99 

7,091 22 

63,901 19 

21,715 26 



$1,683373 03 



* Value of landa mortgaged, $MO,iS» 00 

Valae of bnlldlnge thereon, Sn,T18 00 

AjnoQnt of loearance held aa oollataral, . • • • S28,S40 00 



TRADBB8* IN8UBANCE CO. 359 



Liabilities. 

Losses adjusted, unpaid, 122,594 17 

claimed aud reported, .... 87,492 68 

disputed or resisted, . • . • 16,624 15 

Total amount of losses, $76,711 00 

reinsurance, 4,618 02 



Nee amount of unpaid losses, .... $72,092 98 

Unearned premiums on outstanding risks, . 473,361 35 
Commissions and brokerage, .... 8,937 86 

Reinsurance disallowed, 24,982 19 

All other items, 10,312 34 

Gross liabilities, except capital, . . $589,686 72 

Surplus as regards policy holders, $1,093,686 31 

Paid-up capital, 500,000 00 

Surplus over capital, . • $593,686 31 

Income. 

Fire premiums outstanding Dec. 31, 1896, . $52,986 06 
Premiums on risks written or renewed, . • 849,681 67 

Total $902,667 73 

Premiums now in course of collection, • . 64,786 73 

Entire premiums collected, .... $837381 00 
Less reinsurance and return premiums, . . 168,549 22 

Net cash fire premiums received, . . . $669,331 78 

Interest received on mortgages, 12,965 42 

Interest and dividends received from all other sources, . . 59,804 52 

From profit and loss items of previous years, .... 257 67 

Gross cash income, $742,359 39 

ExrENDirvRES. 

Cash paid for fire losses, $410,128 71 

Deduct salvage and reinsurance, . . . 35,585 27 

Net cash paid for fire losses, .... $374,543 44 

Cash dividends paid, 50,000 00 

Cash paid for commissions and brokerage, .... 112,43237 

for salaries of officers and employees, . . . 60,063 50 

for State and local taxes, 24,148 39 

for general expenses, 55,742 37 



Gross cash expenditures, $676,930 07 



360 



UNION INSURANCE GO. 



Risks and Premiums. 



Fire risks ootstandin^ Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

DedDCt risks expired and ternanated. 



In foix;e at end of year, . 
Deduct amount reinsured. 

Net amount in force. 



165,380,700 00 $969,152 87 
61,280,200 00 849«681 67 



$126,660,900 00 $1318,884 54 
56.451,972 00 830,085 28 



$70,208,928 00 $988,749 26 
3382,015 00 53,591 26 



$66326,913 00 $935,158 00 



Miscellaneous. 



Premiums received from organization of eohipanj. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent ), 
Company^s stock owned by directors, .... 



$11,649,370 00 
, 7,190390 00 

358,479 00 

. 1,222300 00 

50,000 00 

127300 00 



"UNION INSURANCE COMPANY OF PHILADELPHIA,^ 

PHILADELPHIA, PA. 

[Incorporated Feb. 6, 1804. Oommeneed bnatiMM Joly 2ft, 1808] 

Paid-ttp Capital, #900,000. 
CHAB. B. H0LLIN8HEAD, PrewidenU S. B. DANN8L8, Secrttmrp. 



Detailed Statement op Stocks and Bonds. 



United States bonds, .... 
Baltimore & Ohio Railroad bonds, . 
Susquehanna Coal Co bonds, . . . 
Steubenville & Indiana Railroad bonds, . 
Chesapeake & Delaware Canal Co. bonds, 
Philadelphia & Reading Railroad bonds, 
New York Car Trust bonds, . 
Shamokin, Sanbury & Lewisbnrg R R. bonds 
Perkiomen Railroad Co. bonds, 
Lehigh Valley Railroad Co. bonds, . 
North Pennsylvania Railroad Co. bonds, 
Hedtonville, Mantua & Fairm*t Pass. R.R. Vds 
People's Passenger Rsiilway Co. bonds, 
Lehigh Coal and Navigation Co. bonds, 
Cincinnati, Dayton & fronton R.R. bonds 
Terminal R.R Asso. of St Louis bonds, 
Atlantic City Railroad Co. bonds, . 
Union Traction Co. trust certificates, 



Par Value. 

f 10,000 00 
26,0W 00 
10,000 00 
16,000 00 
16,000 00 
44,000 00 
16,000 00 

4,000 00 
13,000 00 
10,000 00 

2,000 00 
20,000 00 
11,000 00 
10,000 00 

5,000 00 

6,000 00 
11,000 00 

6,000 00 



VaxltetValat. 
$11,400 00 

27,260 00 
11,400 00 
16,600 00 

7,060 00 
46,866 00 
16,000 00 

4,120 00 
13,000 00 
12,300 00 

2,260 00 
22,200 00 
11,780 00 
10,400 00 

6,376 00 

6,260 00 
11,440 00 

8,626 00 



I7KION INSUBANCB CO. 



361 



HantingdoD & Broad Top Car trust fund, 
Baltimore & Ohio R.R. Co. certificates, . 
EastOD & Am boy Railroad Co bonds, ' . 
Penn & N. Y. Canal and R.R. Co. bonds, 
100 shares Little Schuylkill Railroad Co., 



200 

136 

48 

88 

68 

88 

lOO 

109 



Pennsylvania Railroad Co., . 
North Pennsylvania Railroad Co., 
Delaware Railroad Co., . 
Delaware Insurance Co., 
Philadelphia National Bank, . 
Farmers' and Mechanics* NU Bank, 
Philadelphia Traction Co., 
ISth and 15th Streets Pass. R'y Co,, 



Securities held as collateral for cash loans : — 

14 shares Commonw'th Title Ins. & Trust Co., 

United N. J. Railroad & Canal Company, 

22 shares Commonw^th Title Ins. & Trust Co., 

10 •• Pennsylvania Fire Insurance Co., . 

5 " American Fire Insurance Company, 

3 ** Reliance Insurance Company, 

2 ** Pennsylvania Railroad bonds, 

Philadelphia & Reading Railroad bonds, 

100 shares Continental Pass. Railway, 

54 ** Union National Bank, 

5 ** Guarantee Trust & Safe Dep. Co., . 

15 ** Land Title Trast Company, . 



PwVAkra. 

110,000 00 

10,000 00 

14.000 00 

10,000 00 

5,000 00 

10.000 00 

6.800 00 

1,200 00 

8,200 00 

6,800 00 

8,800 00 

5,000 00 

5,450 00 



Market Vala«. 
110,100 00 

10,225 00 

14,910 00 

10,800 00 

5.100 00 

10,350 00 

11,356 00 

1.536 00 

2,024 00 

12,920 00 

9,372 00 

6,700 00 

25,887 50 



f326,250 00 1368,385 50 



Market Value. Loaned Thereon. 
1938 00 






5,250 00 

1,474 00^ 

3.500 00 

505 00 

168 00 

103 50 

820 00 j 

12,900 00 

4,158 00 

900 00 

1,950 00 



15,000 00 



5,000 00 



5.000 00 
2,100 00 

2,200 00 



132,666 50 119,300 00 



Summary or Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, . $160,000 00 

I..oaD8 on mortgage of real estate (first liens *), 9,900 00 

Interest due or accrued thereon, ... 97 50 

Stocks and bonds, as per schedule, . . . 368,385 50 

Loans on collateral security, as per schedule, . 19,300 00 

Cash in the office of the company, . . . 3,988 39 

Cash deposited in bank, . • • . . . 18,422 42 

Interest due and accrued, 1,240 84 

Premiums in coarse of collection (gross), . 59,012 21 

Notes Uken for fire risks, .... 1,000 00 

Rents due 38 54 

Perpetual insurance, 742 50 

Gross assets, |642,127 90 

* Toul ralaa of property mortgaged $16,000 00 

Amount of loanranee hnid aa eollataral. • • • • 7,000 00 



362 UNION INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, |10,3G5 58 

claimed and reported, .... 21,493 93 

disputed or resisted, .... 400 00 

Total amount of losses, 133,259 51 

Less reinsurance, 268 68 

Net amount of unpaid losses, .... $31,990 83 

Unearned premiums on outstanding risks, . 215,003 00 

Reclaimable on perpetual fire policies, . . 34320 87 

Dividends ;to stockholders, unpaid, . . . 1,659 44 

Commissions and brokerage, • • . • 13,490 70 

Incidentals, 31 09 

Reinsurance disallowed, 95 30 

Gross liabilities, except capital, . . $297,091 28 



/ 



Surplus as regards policy holders, $345,036 67 

Paid-up capital, 200,000 00 

Surplus over capital, $145,036 67 

Income. 

Fire premiums outstanding Dec 31, 1895, • $59,709 63 
Same not collected, 404 30 

Net collected, $59,305 33 

Premiums on risks written or renewed, . • 370,203 73 

Total $429,509 06 

Premiums now in course of collection, . . 60,012 21 

Entire premiums collected, .... $369,496 85 
Less reinsurance and return premiums, . . 55,780 94 

Net cash fire premiums received, • . . $313,715 91 

Interest received on mortgages, 495 00 

Interest and dividends received from all other sources, • • 18^24 67 

Income from rents, 2,697 88 

Deposits received for perpetual fire risks, • .$1,687 05 

Gross cash income, •.....•. $335,733 46 

EXPENDITURBS. 

Cash paid for fire losses, $174,74117 

Deduct salvage and reinsurance, • • . 5,462 41 

Net cash paid for fire losses, .... $169,278 76 

Cash dividends paid, 11,740 53 

Cash paid for commissions and brokerage, .... 60,202 90 

Cash paid for salaries of officers and employees, . • • 37,195 20 



UNITED FIBEMEN'8 IN8UBANCE CO. 



363 



Cash paid for State and local taxes, • 
Cash paid for general expenses, 
Deposits returned on perpetual fire risks. 

Gross cash expenditures, . • • 



. 1^83 93 



110,178 83 
UfiU 79 



. 1320,441 01 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 

Total, . • . • . 

Deduct risks expired and terminated, 

In force at end of year, • • 
Deduct amount reinsured, • 



Net amount in force. 



. f 38,523,158 00 
. 31,983,274 00 

.#70,506,432 00 
. 32,375,235 00 

.#38,131,197 00 
944,864 00 



pNtnlnms* 

1430,836 31 
370,203 73 

$801,040 04 
375,615 21 

t425,424 83 
10,020 47 



137,186,833 00 $415,404 36 



Ferpetual risks in force (not incl'd above), . $1,300,478 00 $38,689 86 



Miscellaneous. 

Premiums received from organization of company. 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company 

Dividends declared dnring the year (6 per cent.), . 

Company ^s stock owned by directors. 



$24,049,982 00 
17,082,147 00 
157,074 00 
1,894,221 00 
12,000 00 
37,800 00 



-UNITED FIREMEN'S INSURANCE COMPANY OF PHILADELPHIA." 

PHILADELPHIA, PA. 

[Incoiponted April S, 1860. OommaDoed biulo«M April 1. 1861.] 

Paib-xtp OAprrAL. $800»000. 
BOBBST B. BEATH, PretidetU. DENNIS J. SWEENY. SecrHary. 



Detailed Statement of Stocks 



Northern Central Railroad bonds, . • 
Chicago & W. Indiana Railroad bonds, . 
Zanesville & Ohio Railroad bonds, . 
Toledo Belt Line Railway bonds, . 
McKeesport & Belle Vernon R R. bonds, 
Atlantic City Railroad Co. bonds, 
Lehigh Valley Railway bonds, 
Philadelphia & Reading Railroad bonds. 
The Mortgage Trust Co. of Penn. bonds. 
The Real Estate Title Ins. and Trust Co. bonds. 
City of Woonsoeket, Dakota, bonds, • 



AND Bonds. 

Par Valae. 

110,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
20,000 00 
20,000 00 
10,000 00 
10,000 00 
20,000 00 
6,000 00 



Market Talae. 

111,500 00 
11,700 00 
1,000 00 
10,000 00 
12,500 00 
20,800 00 
20,000 00 
10,800 00 
10,000 00 
20,000 00 
6,000 00 



3C4 



UKITED firemen's INBURANOE GO. 



199 shares Unioii Passenger Kailway, 

200 ^* Continental Passenger Railway, 
Penn. & New York Canal and R B bonds, 
Car Trusts of New York, . . . • . 
Evansville & Terre Haate R.R. bonds, . 
Columbus & Cincinnati Midland R.R. bonds, 
People^s Passenger Railway certificates, . 
Philadelphia & Baltimore EUtilroad certificates 
Newark Passenger R^y Co. bonds, . 
Philadelphia 1 raetion Company trust bonds, 
Second Ave. Traction Co. of Pittsburgh b^s, 
Pittsburgh, Cincinnati & St Louis R^ bonds. 
Electric & People^s Traction certificates, 

154 shares Union Traction Co., Philadelphia, 
Baltimore & Potomac R.R. Co. tunnel bonds, 
Lehigh Valley R.R. Co. car trust loan, . 
Lehigh Coal & Navigation Co. trust bonds. 



Pary«Ioe. 
$9,950 00 
20,000 00 
20,000 00 
16,000 00 
10,000 00 
8,000 00 
15,000 00 
10.000 00 
10,000 00 
10,000 00 
15,000 00 
17,000 00 
15,200 00 
1,540 00 
5,000 00 
15,000 00 
20,000 00 



Hftfk«tVi 

$44,775 00 

26,000 00 

19,000 00 

15,200 00 

8,000 00 

4,800 00 

14,100 00 

10,200 00 

10,700 00 

10,800 00 

15,450 00 

18,700 00 

10,640 00 

1,468 00 

6,150 00 

15,600 00 

20,800 00 



Securities held as collateral for cash loans : — 

50 shares ISth & I5th Streets Passenger R^, 
20 ^ Bucks Co., Pa., Trust Company, . 
12 ** New Hope Delaware Bridge Co , 
10 " Title Guaranteed Trust Co., N.Y., 

200 ** Philadelphia Traction Company, . 
Consolidated Traction Co., N. J., bonds, . 
50 shares Real Estate, Title Ins. & Trust Co., 

100 

100 

240 

200 
1,000 

800 

100 

200 

500 



it 



(• 



u 



M 



U 



M 



M 



Record Publishing Co., Phila., . 
Chestnut Street N'l Bank, Phil., . 
Pennsylvania Railroad, 
lkleti*opolitan Traction Co., N. Y., 
N. PaciHc Railroad certificates, . 
Baltimore Ti*action Company, 
Consolidated Traction Co., N. J., 
Philadelphia Traction Co , Phila., 
Union Traction Co. certificates, . 



$19,000 00 



$858,690 00 885,678 00 



lfark«t Valoe. LcMUiad 
$11,875 00^ 

2,500 00 

1,500 00 

2,760 00 
13,400 00 

4,950 00 J 

6,076 00 
12,000 00 
10,000 00 
12,360 00 
21,900 00 
14.126 00 

5,326 00^ 

2,400 00 



i 



5,000 00 
15,000 00 

25,000 00 
10,000 00 



18,400 00 ( 
4,875 00 J 



} 20,000 00 



$189,485 00 $94,000 00 



Summary of Assets Dec. 81, 1896. 

Cash value of unencumbered real estate, . $146,850 00 
Loans on mortgage of real estate (first liens *), 670,519 94 
Interest due or accrued thereon, . . . 14,285 71 



* ToUl value of property mortgaged, 
Amount of loauraooe held aa oollateral, 



$1,381,376 00 
. 479.006 00 



UNITED FIBEMEN'S INSURANCE CO. 



3G5 



Stocks and bonds, as per schedale, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Preoiiams in course of collection (gross). 
Notes taken for fire risks. 
Perpetual deposits and surreys, 
Prem^s nsore than three mos. due, 1^,632 08 
Gross assets. ..••.• 



1385,678 00 

94.000 00 

2.740 20 

65.005 08 

1.459 81 

87,816 37 

492 47 

6,191 51 



11,424,489 09 



Liabilities. 

adjusted, unpaid, • 

claimed and reported, . 

disputed or resisted. 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc , 
State and local taxes. 
Commissions and brokerage, . 
Return premiums, .... 
Relnrarance disallowed, . . ' . * 

Reinsurance, 

Gross liabilities, except capital. 



Surplus as regards policy holders, 
Paid-up capital. 



Surplas oTer capital. 



13.734 90 

6,945 00 

8,250 00 

201.464 21 

686,745 49 

379 29 

2,106 83 

8302 10 

3,608 88 

736 28 

1,415 78 



924,188 76 

1500,300 33 
300,000 00 

1200,300 33 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Same not collected, 



Net collected, 

Premiums on risks written or renewed, • 



Total 

Premiums now in course of collection, • 

Entire premiums collected. 
Less reinsurance and return premiums, . 
Net cash tire premiums received, 
Interest received on mortgages, 



f 38,259 12 
58 79 

•38,200 33 
318,181 89 

•856,382 22 
39,348 45 

1817,083 77 
47,071 32 



Interest and dividends received from all other sources, • 

Income from all other sources^ 

Deposits received for perpetual fire risks, • |36,889 47 



#269,962 45 

34,790 80 

22,761 90 

97 02 



GroiM cash income, ..•,.... 1827,612 17 



366 



UNITED STATES FIBE INSURANCE GO. 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for general expenses. 
Deposits returned on perpetual fire risks, 



9143,474 U 
30,000 00 
56,995 59 
23,879 88 
8,505 IS 
26,471 03 



tl7,382 37 



Gross cash expenditures, t289,S25 71 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 

xocai, •••••• 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



. 137,092,975 00 
. 28,560,847 00 

. 165,653,822 00 
. 28,541,196 00 



9420,570 47 
318,181 89 

9738,752 36 
324,328 92 

9414,423 44 

28310 87 

934,732,660 00 9385,612 57 



937,112,626 00 
2,379,966 00 



Perpetual risks in force (not incl'd above), • 933,302/^31 00 9759,497 48 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . • • 
Cash dividends declared from organization of company. 
Dividends declared during the year (10 per cent ), 
Company^s stock owned by directors, . • • . 



94,107,928 00 

2,453,212 00 

125.172 00 

413,506 00 

30,000 00 

88,610 00 



"UNITED STATES FIRE INSCJRAXCE COMPANY," 

NEW YORK, N. Y. 

[Ineorponted April 1, 18M. Comineneed buioeM April 9, 18S4.] 

Paukup Oapital, $250,000. 
W. W. UNDERHILL, President. W. H. GaiFFBET, Secntarf, 



Detailed Statement op Stocks akd Boxds. 

Pur Valnfl. 

United States bonds, 

Rensselaer & Saratoga Railroad stock, . 
New York Central & Hudson River Railroad, 



Harlnt Talve. 

1117,000 00 1128,992 50 



17,800 00 
15,000 00 



32,040 00 
13,950 00 



|149<800 00 1174,982 50 



UNITED STATES FIRE IN8UBAKCE CO. 



367 



SCMBCABT OF ASSETS DeO. 31, 1896. 



Loans on mortgage of real estate (first 
Interest dne or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued. 
Premiums in course of collection (gross) 
Duo for reinsurance on losses, . 

Gross assets, f . . . . 
Deduct special deposits in other States, 

Balance, • • • • . 



liens *), 1181,500 00 

3,174 84 

174,982 50 

4,189 60 

7,281 07 

2,132 00 

54,906 40 

887 86 



1677,563 27 
13,180 00 

1664,423 27 



LlABILITIEfl. 

I^xMses adjusted, unpaid, $4^62 21 

claimed and reported, . • . . 14,595 25 

disputed or resisted, .... 14,129 73 

Total amount of losses, 133,587 19 

Less reinsurance, ...... 1,408 27 



Gross liabilities, except capital. 
Deduct liability on special deposits. 



Net amount of unpaid losses, .... 132,178 92 

Unearned premiums on outstanding risks, . 233,395 11 

Dae and accrued for rent, salaries, etc., . . 1,905 06 

Commissions and brokerage, .... 11,686 64 

Reinsurance, 600 00 

Return premiums, 7,238 00 

Reinsurance disallowed, 269 76 



1287,273 49 
6,319 00 



280,954 49 



Surplus as regards policy holders, $383,468 78 

Pud-up capital, . : 250,000 00 

Surplus over capital, 1133,468 78 

• Value of lands mortgftgsd, $818,500 00 

Vftlne of bolldlDgs thsroon, 600,000 00 

ArnooDt of incQimnoe held m ooUatenI, .... 406,200 00 

t loelQdiof $126,000 tpoeUl rttom fund held nnder New Totk Uw. 



368 UNITED STATES FIBE INSURANCE 00. 

Ikcohe. f 

Fire premiums outstanding Dec. 31, 1895, . t^5,802 01 
Same not collected, ...... 204 65 

Net collected, f 55,597 36 

Premiums on risks written or renewed, . . 838,110 23 

Total, 1393,707 59 

Premiums now in course of collection, . • 52,727 83 

Entire premiums collected, .... |340,979 76 
Less reinsurance and return premiums, . . 72,225 51 

Net cash fire premiums received, . . . $268,754 25 

Marine premiums outstanding Dec. 31, 1895, . $1,438 61 

Premiums on risks written or renewed, . . 27,351 12 

* • « 

Total $28,789 73 

Premiums now in course of collection, • . 2,178 57 

Entire premiums collected, .... $26,611 16 
Less reinsurance and return premiums, . . 1345 39 

Net cash marine premiums received, . . 24,765 84 

Interest received on mortgages, 18,613 90 

Interest and dividends received from all other sources, . . 6,740 61 

Gross cash income, ' $318,874 60 

Expenditures. 
Cash paid for fire losses, $169«885 78 

Deduct salvage and reinsurance, • . . 13,359 15 

Net cash paid for fire losses, .... $156^26 63 

Cash paid for marine and inland losses, . . $10,524 05 

Deduct salvage and reinsuraiice, . • • 551 53 

Net cash paid for marine and inland losses, . 9,972 52 

Cash dividends paid, 15,000 00 

Cash paid for commissions and brokerage, .... 72,072 27 

for salaries of ofiScers and employees, . . • 24,687 96 

for State and local toxes, 4,678 73 

for rents 7,000 00 

for general expenses, 18«868 23 

Gross cash expenditures, $308306 33 

RlSKJS AND PKEMIUBCd. «.^h«^ 

Fire risks outstanding Dec. 31, 1895, . . $49,697,743 00 $515,181 33 
Fire risks written during 1896, . . . 34,524,623 00 338,110 S3 

Total, $84,222,366 00 $853,291 66 

Deduct risiss expired and terminated, • . 38,545,721 00 894,436 63 

In force at end of year, $45,676,645 00 $458354 93 

Deduct amount reinsured, .... 3,014,771 00 27,914 08 

Net amount in force, $42,661,874 00 N30,940 »6 



UNITED 8TATB8 LLOTDS. 



369 



Marine risks outstanding Deo. 81, 1895, . 
Marine risks written during 1896, . 



Total, 

Deduct risks expired and terminated. 



Premloms. 

$563,925 00 |18,810 66 
997,628 00 27,351 12 



11,561,558 00 145,661 78 
831,002 00 22,597 14 



In force at end of year, $730,551 00 $28,064 64 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Diridends declared during the year (6 per cent ), . 
Company^s stock owned by directors, .... 



$6,069,536 00 

3.265,742 00 

129,864 00 

12,768 00 

1346,590 00 

15,000 00 

49,475 00 



UNFfED STATES LLOYDS, NEW YORK, N. Y. 

[Commeneed bnsineM Deeember, 1872.] 
HiaeiNS, COX h BABRBTT, Attorney: 

Detailed Statement or Stocks and Bonds. 

• Par Value. Market Valne. 

United States bonds, $50,000 00 $51,700 00 

New York city bonds, 100,000 00 101,500 00 

Boston city bonds, 50,000 00 56,500 00 

St Louis city bonds 50,000 00 51,875 00 

CiDcinnati city bonds, 50,000 00 50,500 00 

West Shore Railroad bonds, .... 50,000 00 52,000 00 

Chicago, Bock Island & Pacific R.R. bonds, . 50,000 00 51,000 00 

Havana municipal bonds, 5,000 00 4,700 00 

Atlantic Mutual Insurance Company scrip, . 73,370 00 73,370 00 

$478,370 00 $492,645 00 

Securities held as collateral for cash loans : — 

Market Value. Loaned Thereon. 

Fonrth National Bank stock, .... $17,500 00 $15,000 00 

Home Insurance Company stock, . . 5,670 00 \ 

Long Island Loan and Trust Company stock, . 2,100 00 > 5,400 00 

Texas Pacific Railroad bonds 1,450 00 ) 

Detroit Citizens* Street Railway bonds, . 17,400 00 ] 

AUentown & Lehigh Valley Trac. Co. bonds, . 13,500 00 [ 

Wabash Railroad bonds 10,950 00 \ 50,000 00 

Texas & Pacific Railroad bonds, . . . 8,800 00 j 

Philadelphia & Reading Railroad bonds, . 10,627 50 J 

$87,997 50 $70,400 00 



370 



UNITED STATES LIX>TI>8. 



SUMMART OF A86ET8 DEC 

Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine risks, . 
Salvages and reinsurance, 
Prem'S more than three mos. due, |9,749 20 
Gross assets, 

Liabilities. 

Unpaid losses, 

Unearaed premiums on outstanding risks. 

Cash deposited in trust, 

Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, .... 

Return premiums, 

Reinsurance, 

Rebate, 

Gross liabilities, 



31, 1896. 

$492,645 00 

70,400 00 

2,000 00 

102,062 80 

11,661 90 

178,169 61 

16,817 09 

81,361 47 



1107,926 00 

148,443 29 

22,114 06 

2,342 00 

6,666 83 

24,600 00 

10,918 61 

1,317 34 



1949,607 87 



324,127 03 



Surplus, 1626,480 S4 



Income. 

Marine premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection. 



Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash marine premiums received. 

Interest and dividends received from all sources, . 

Income from commission, discount and reinsurance. 



1166,263 96 
1,438,141 63 

11,603,406 49 
199,226 90 



11,404,179 69 
1,000,994 66 



#403,184 93 
26«68165 
88,827 S7 



Gross cash income, |518«69S 95 



EXPENDITORBS. 

Cash paid for marine and inland losses, . 
Deduct salvage and reinsurance, 
Net cash paid for marine and inland losses, . 
Cash dividends paid, 



1717,248 99 
386,633 98 



•330,715 01 
60,000 00 



YICTOBIA FIRE INSURANCE CO. 371 

Cash paid for commissions and brokerage, .... |44,864 10 

for salaries of officers and employees, . . . 50,930 79 

for State and local taxes, 2,026 68 

for incidentals, • 3,487 85 



Gross cash expenditures, |482,024 43 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1895, 
Marine risks written during 1896, . 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Premfama. 

114,314,089 00 1190,695 66 
256,977,979 00 1,488,141 53 



1271,292,068 00 fl.628,887 19 
269,014.159 00 1,480,393 90 



112,277,909 00 f 148,443 29 
7,915,257 00 65,644 84 



Net amount in force, . . . 14,362,652 0<) $82,798 45 



-victoria fire insurance company of new YORK," 

NEW YORK, N. Y. 

[Incorporated June 24, 1896. Commenced buslnesB July 1, 1806.] 

Paid-up Capital, $200,000. 
HENBT H. HALL, PrMidmt. BDW. E. BEDDALL, Secretary. 

Detailed Statement of Stockb and BpNDS. 

Par Valoe. Market Value. 

United States bonds 1125,000 00 $148,750 00 

New York City water stock, . . . 50,000 00 52,937 60 

•175,000 00 1201,687 60 

Summary ok Assets Dec. 31, 1896. 

Stocks and bonds, as per schedule, . . $201,687 50 

Cash deposited in bank, 26,670 08 

Preminms in course of collection (gross), . 8,071 84 

Gross assets, $286,429 42 

Liabilities. 
Losses claimed and reported, . $108 81 

Unearned premiums on outstanding risks, . 17,285 75 

State and local taxes 18 00 

Commissions and brokerage, .... 1,302 54 

Return premiums, 677 88 

Gross liabilities, except capital, . 19,392 98 

Surplus as regards policy holders, $217,036 44 

Paid-up capital, 200,000 00 

Surplus over capital . $17,036 44 



372 WESTCHESTER FIBE IKSURANCE CO. 



Income. 

Premiams on risks written or renewed, . . $39,610 22 
Premiums now in coarse of collection, . . 8,071 84 

Entire premiums collected, .... $31,588 38 

Less reinsurance and return premiums, . . 3,593 58 

Net cash fire premiums received, . . . $27,944 81 

Interest and dividends received from all sources, . . . 2^888 25 

Gross cash income, $30«83S 06 



• 



Expenditures. 

Cash paid for fire losses f 1«399 02 

for commissions and brokerage, .... 6,770 48 

for salaries of officers and employees, . . . 8,950 95 

for State and local taxes, 607 00 

to local boards, 54 00 

Gross cash expenditures, $11,78140 

Risks and Premiums. 

Premlsntt. 

Fire risks written during 1896, . . . $4,196,118 00 $39,610 22 

Deduct risks expired and terminated, . . 966,150 00 5,038 72 

In force at end of year, . . . $3,229,968 00 $34,571 50 

Miscellaneous. 

Premiums received from organization of company, . . $27,944 00 

Losses paid from organization of company, .... 1^99 00 

Fire losses incurred during the year, 1^7 00 

Company's stock owned by directors, 82,600 00 



" WESTCHESTER FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated as mutual March 14, 1887. Commenced butineM aa Jolnt-atock Jan. 1, 1870.] 

Paid-up Capital, $300,000. 
GEO. R. CRAWFORD, Pretident, JOHN Q. UNDBRBILL, Sterttary. 

Detailed STATEaiENx of Stocks and Bonds. 

Par Value. Maitet Valw. 

Albany & Susquehanna Railroad stock, . . $40,000 00 168,000 00 

New York & Harlem Railroad stock, . 60,000 00 172,51K> 00 

Rensselaer & Saratoga Railroad stock, . . 60,000 00 90,00^^ <*•* 

New York, Lackawanna & Western R.R. stock, 80,000 00 94,000 (K) 

Rome, Watertown & Ogdensburg R.R. stock, . 60,000 00 69.(KK) iX> 

Oswego & Syracuse R R. stock,* . . 20,000 00 4l.u0t> w 



WESTCHESTER FIBE INSURANCE CO. 



373 



Long^ Island Railroad stock, . . . . 
Chic^o & Northwestern Railroad stock, 
Chicago, Milwaukee & St. Paul R.R. stock, 
Lake Shore & Michigan Southern R.R. stock, . 
Delaware, Lackawanna & Western R.R. stock. 
Consolidated Gas Company, New York, stock, 
Delaware & Hudson Canal Company stock. 
Western Union Telegraph Company stock. 
United States consols, .... 
Chicago, Burlington & Quincy R.R. bonds, 
Erie Railroad bonds, .... 
St Joseph & Grand Island Railroad bonds, 
Atchison, Topeka & Santa F6 Railroad bonds 
Chesapeake & Ohio Railroad bonds. 
New York, Ontario & Western R.R. bonds. 
Northern Pacific Railroad bonds, . 
Buffalo, Rochester & Pittsburgh R.R. bonds, 
Philadelphia & Reading Railroad bonds, . 
Western Union Telegraph Company bonds, 
Richmond, Va., city bonds, 



Par ValDe. 

$50,000 00 
60,000 00 
80,000 00 
20,000 00 
.20,000 00 
30,000 00 
60,000 00 
20,000 00 

100.000 00 
20.000 00 
60,000 00 
80,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 
16,000 00 



Market Taluek 

121,600 00 

61,000 00 

89.000 00 

80,800 00 

31,600 00 

41,600 OO 

68,000 OO 

16,600 00 

111,000 OO 

17,600 OO 

89,000 OO 

38,400 00 

16.900 OO 

21,600 00 

21,600 OO 

22,600 00 

19,600 OO 

16,000 OO 

21,600 00 

16,000 00 



#986,000 00 11,174,100 00 



SuicMARY OF Assets Dec. 31, 1896. 

Cash value of nnencumbered real estate, . f 216,600 00 

Loans on mortgage of real estate (first liens *), 626,200 00 

Interest dae or accraed thereon, . . . 4,799 81 

Stocks and bonds, as per schedule, . . . 1,174,100 00 

Cash deposited in bank, ' 84,662 42 

Premiums in course of collection (gross), . 224,646 60 
Prera's more than three mos. due, $10,347 16 

Gross assets #2,230,707 8$ 

Deduct special deposits in other States, 98,260 00 

Balance 82,132,467 SS 

Liabilities. 

Losses adjusted, unpaid, $86,249 49 

claimed and reported, . . . . 66,689 37 

disputed or resisted, .... 4,600 00 

Total amount of losses, $106,888 86 

I.*ess reinsurance, 704 14 

Net amount of unpaid losses, .... $106,684 72 

• Valve of lands mortgaged $467,000 00 

VaJae of balldinga thereon, ....... 782,700 00 

AJDOuot of Inaa ranee held as oollateral. .... 623,100 00 



374 WESTOHESTEB FIRE HfSUBANCB OO. 

UneBmed premiums on outstaodiag risks, . (1,083,736 SS 

Commissions and brokerage 49,243 47 

Reinsurance disallowed, 3,934 65 

Gross liabilities, except capital, . . 11,240,969 67 
Deduct liability on special deposits, , . 43,738 31 



- 11,197,251 36 



Surplus as regards policy holders, 
Paid-up capital, 



INCOMB. 

Fire premiums outsUndiug Dec. 81, 1895, . fS3l,744 59 
Same not collected 6,296 34 

Net collected (225,448 26 

Premiums on risks written or renewed, . ■ 1,606,618 10 

Total 11,731,066 35 

Premiums now in course of collection, . . 234,892 76 

Entire premiums collected (1,496,173 59 

Less reinsurance and return premiums, . . 220,11175 

Net cash Are premiums received, . . . -— $1,276,061 84 

Interest received on mortgages 29,319 44 

Interest and dividends received from all other sources, . . 41,907 77 
Income from rents 749 98 

Gross cash income, 11,348,039 01 



ExpBKDrrcRee. 

Cash paid for fire tosses (638,560 64 

Deduct salvage and reinsurance, . 39,421 33 

Net cash paid for fire losses (599,139 31 

Cash dividends paid 30,000 00 

Cash paid for commissions and brokerage 265,023 43 

for salaries of offlccis and employees, . . . 46,308 18 

for State and local taxes 32,723 31 

for incidenlals 158,923 73 



Gross cash expenditures, (1,132,112 96 



THE WE8TBBK INSURANCE 00. 



Risks axd Premiums. 



riakB ontstanding Deo. 81, 1895, 
risks written daring 1896, 

Potal 

ict risks expired and tennlnBted, 

rce at end of year, . 
reinsured. 



•328,630,209 00 13,738,651 C 
127,042,788 00 1,617.618 ( 



1801,487,424 00 |!,19t.037 { 
6,213,929 00 65,199 ( 



1195,273,495 00 12,125,838 i 



4et amount in fores, . 

MlSCXLLANBOUB. 

liume received from organizaUon of company, , 122,402,351 ( 
m paid from organization of company, .... 12,380,634 ( 

losses innurred during the year, 599,484 ( 

dividends declared from organizatloD of company, . 738,000 ( 
[ends declared during the year (10 per cent), . . 30,000 ( 
mny's slock ovrned by directors 76,890 ( 



HE WESTERN INSURANCE COMPANY OF PITTSBURGH." 
PITTSBURGH, PA. 

{iBoorponlKl Uinh M, 194t. OamminoHl biwlDaa Umy 1, 1U«.] 
PiiD-DT Capital. (Sm.ooo. 
[XAHDBR KIICICE, rmUtiU. 



WM. P. BBBBKRT, I 



Detailed Statehent of Stocks and Bonds. 







Hukel Vlll 




130,000 00 


•33,300 ( 




20,000 00 


20,000 ( 


nds, . 


23,000 00 


26,340 ( 


bonds, . 


10,000 00 


7,600 ( 


a Railroad, 


5,000 00 


1,600 1 


jnds. 


1,600 00 


1,545 1 


Co. bonds. 


15,000 00 


15,300 1 




30,000 00 


30.600 1 





6,000 00 


6.120 < 




7.000 00 


7,170 ( 


Church bonds 


8,600 00 


H,fl68( 




5,000 00 


5,090 ' 




4,600 00 


4,S65 1 




3.000 00 


3,000 ' 




4,000 00 


4,000 . 



1172,600 00 1174,698 



376 THE WESTERN INSURANCE GO. 



Summary of Assets Dec. 81, 1896. 

Cash value of unencumbered real estate, . $62,000 00 

Loans on mortgage of real estate (first liens *), 239,500 00 

Interest due or accrued thereon, . . . 4,285 00 

Stocks and bonds, as per schedule, . . . 174,598 00 

Cash in the office of the company, . . . 1,332 36 

Cash deposited in bank, 26,360 92 

Interest due and accrued, 298 08 

Premiums in course of collection (gross), . 20,895 81 

Rents due and accrued, 175 00 

Gross assets, 1529,445 17 

Liabilities. 

Losses adjusted, unpaid, $2,165 51 

claimed and reported, .... 10,759 00 

disputed or resisted, .... 3,900 00 

Unearned premiums on outstanding risks, . 133,000 34 

Commissions and brokerage, .... 3,800 35 

Reinsurance disallowed, 487 66 

Gross liabilities, except capital, 154,062 86 

Surplus as regards policy holders, $375,882 31 

Paid-up capital, 300,000 00 

Surplus over capital, $75,382 31 

Income. • 

Fire premiums outstanding Dec. 31, 1895, . $28,846 24 
Premiums on risks written or renewed, . . 210,156 28 

Total, $239,002 52 

Premiums now in course of collection, . . 20,895 81 

Entire premiums collected, .... $218,106 71 
Less reinsurance and return premiums, . . 24,926 30 

Net cash fire premiums received, . . . $193,180 41 

Marine premiums on risks written or renewed, $293 63 

Less reinsurance and return premiums, . . 12 73 

Net cash marine premiums received, . . 280 90 

Interest received on mortgages, 11,664 40 

Interest and dividends received from all other sources, . • 8,141 62 

Income from rents, 825 00 

Gross cash income, $214,092 23 

• Value of lands mortgag«d, $S64,7&0 00 

Valoe of bnlldloga thereon, 878,060 00 

Amount of tnsaranoe held aa eoUateral 206,760 00 



WILLIAMSfiURGH CIXT FIRE INSURANCE GO. 



377 



Expenditures. 
Cash paid for fire losses, $104,687 21 

Deduct salvage and reinsurance, . . 3,134 83 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, .... 

for salaries of oflScers and employees, . 

for State and local taxes, 

for incidentals, 



$101,552 38 

206 63 

18,000 00 

40,775 67 

8,861 25 

5,040 50 

7,388 08 



Gross cash expenditures, $181,824 51 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured, 

Net amount in force. 



Marine risks written during 1896, . 
Deduct risks expired and terminated, 



. $20,907,630 00 
. 19,083,200 00 



. $39,990,830 00 
. 18,013,295 00 



$21,977,535 00 
409,539 00 



Premiams. 

$253,321 49 
210,156 28 

$463,477 77 
202,762 47 

$260,715 30 
4,723 99 



.$21,567,996 00 $255,991 31 



$32,786 00 
32,786 00 



$293 63 
293 63 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year. 
Cash dividends declared from organization of company. 
Dividends declared during the year (6 per cent.), 
Company^s stock owned by directors, .... 



$4,207,764 00 

2,401,745 00 

101,368 00 

207 00 

935,500 00 

18,000 00 

59,000 00 



" WILLIAMSBURGH CITY FIRE INSURANCE COMPANY,' 

BROOKLYN, N. Y. 

[iDcorponted March, 1858. Oommeneed bnalaeas March, 1858.] 

Paid-up Cjlpitai., $250,000. 
HABfiHALL B. DRIGOS, FtulderU. FRED'S H. WAT, Secretary. 

Detailep Statement of Stocks and Bonds. 

Par Valne. Market Valna. 

United States bonds $23,000 00 $25,530 00 

Richmond, Va., bonds, 13,500 00 13,500 00 

Georgia State bonds 26,000 00 27,500 00 



378 



WILUAMSBUROH CITr FIBB INSUBANCE CO. 



Brooklyn Rapid Transit Co. bonds, . 

Long Island Bank, Brooklyn, stock, . 

First National Bank, Brooklyn, stock, 

Brooklyn Union Gas Co. bonds, 

Brooklyn Union Gas Co. stock, 

Edison Electric Illuminating Co., . 

Dry Dock, E. B'way & Battery R.R. stock, 

King^s County Trast Co., Brooklyn, stock, 

Brooklyn City Railroad stock, 

Brooklyn & New York Ferry Company stock 

Union Ferry Company of Brooklyn stock, 

Brooklyn Rapid Transit Co. stock, . 

Legal Surety Co. of the United States, 



Securities held as collateral for cash loans : 
Brooklyn City Railroad Co. stock, . 



Par Value. 

$28,000 00 

10,000 00 

18,400 00 

9,000 00 

26,000 00 

10,000 00 

20,000 00 

9,000 00 

110,000 00 

12.500 00 

45,000 00 

180,000 00 

6,000 00 



MaikeCTalae. 

$17,480 00 
10,000 00 
78,600 00 

9,860 00 
21,260 00 

9300 00 
82,000 00 
22,960 00 
187,000 00 
22,875 00 
27,000 00 
28,400 00 

6,500 00 



$488,400 00 $528,745 00 



Market Taloe. 
$10,200 00 



$7,400 00 



Summary of Assets Dbo. 31, 1896. 

•Cash value of unencumbered real estate, . $629,000 00 

Loans on mortgage of real estate (first liens *), 296,660 00 

Interest due or accrued thereon, . . . 8,055 88 

Stocks and bonds, as per schedule, . . . 628,746 00 

Loans on collateral security, as per schedule, . 7,400 00 

Oash in the office of the company, . . . 1,079 61 

-Cash deposited in bank, 74,172 80 

Interest due and accrued, 2386 77 

Premiums in course of collection (gross), . 86,646 07 

Rents due and accrued, 5,682 00 

Reinsurance, 159 64 

Gross assets, f $1,684,826 57 

Deduct special deposits in other States, 41,000 00 

Balance, $1,698,826 57 

LiARiLrnES. 

Losses adjusted, unpaid, $4,608 29 

claimed and reported, .... 27,101 60 

disputed or resisted, .... 4,862 77 

Total amount of losses, $85,957 66 

Less reinsurance, 781 04 

Net amount of unpaid losses, .... $36,176 52 

* Valoe of lands mortgaged, $278,000 00 

Value of balldlnga thereon, 287,500 00 

Amount of Inaorance held aa eollateral, .... 282,800 00 

t Indadlng $280,000 apedal depoelt held under Now York law. 



WILLIAMSBUBOH CITT FIBE IN8UBAKCE 00. 379 

Uneamed premianis on ontBtanding risks, . t^l7,768 75 

Diyidends to stockholders, unpaid, . . 4d0 00 

Due and accrued for rent, salaries, etc., . . 283 83 

State and local taxes, 4,255 60 

Commissions and brokerage, • • . • 14,279 24 

Reinsurance, . • 1,123 25 

Reinsurance disallowed, 11,083 97 

Gross liabilities, except capital, . . (585,300 66 

Deduct liability on special deposits, . . 18,487 94 

$566,812 72 

Surplus as regards policy holders, $1,026,518 85 

Paid-up capital, 250,000 00 

Surplus over capital, $776,513 85 

Incohx. 

Fire premiums outstanding Dec. 31, 1895, $78,921 66 

Same not collected, 6,313 73 

Net collected, $72,607 98 

Premiums on risks written or renewed, . . 682,544 78 

Total $755,152 66 

Premiums now in course of collection, . . 89,116 87 

Entire premiums collected, .... $666,035 79 
Less reinsurance and return premiums, . . 76,296 96 

Net cash fire premiums received, . . $589,738 88 

Interest received on mortgages, 12,670 39 

Interest and dividends received from all other sources, . . 27,012 71 

Income from rents, ......... 29,309 53 

Gross cash income, $658,731 46 

EXPBNDITUBBS. 

Cash paid for fire losses, $262,493 19 

Deduct salvage and reinsurance, . 16,195 96 

Net cash paid for fire losses, .... $246,297 23 

Cash dividends paid, 51,170 00 

Cash paid for commissions and brokerage, .... 137,782 94 

for salaries of officers and employees, . . 66,590 20 

for State and local taxes, 6,495 85 

for incidentals, 41,766 73 

for expenses on real estate, 20,214 94 

Gross cash expenditures, $570,267 89 



880 



WILUAMSBUBGH OITT FIBE INSURANCE CO. 



Risks and Frbmiums. 



Fire risks outstanding Deo. 81, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 

In force at end of year, , 
Deduct amount reinsured, 

Net amount in force. 



(124,046,938 00 $1,036,740 2& 
77,668,008 00 682,644 73 



$201,714,946 00 $1,719,284 99 
75,202,450 00 663,341 93 



$126,512,496 00 $1,055,943 07 
4,573,329 00 36,678 93 



$121,939,167 00 $1,019,264 14 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash diyidends declared from organization of company. 
Dividends declared during the year (20 per cent.), 
Company^s stock owned by directors, .... 



$15,479,367 00 
. 8,015,960 00 
. 233,078 00 
. 1,502,500 00 
50,000 00 
47,500 00 



AGGREGATE. 



Capital Stock. 
Capital actually paid np in cash, . 
Scrip outstandiDg, . . . . 



Gross present assets, 



ASSBTS. 



Gross present liabilities, 



Liabilities. 



Income. 
Cash actually received for fire premiums, . 
for marine and inland premiums, 
for interest and dividends from all sources, 
from all other sources, .... 



Gross cash income. 



EXPBNDITURES. 

Cash actually paid during the year for fire losses, 

for marine and inland losses 

for dividends to stockholders, .... 

for redemption of scrip, 

for interest to scrip holders 

for brokerage and commission on premiums, 
for salaries and pay of officers ana employees, . 

for State and local taxes, 

for office, agency and incidental expenses. 



Gross cash expenditures. 



Miscellaneous. 
Whole amount of fire risks written during^ the year, . 
premiums charged or receivable thereon, 
marine and inland risks written during the year, 
premiums charged or receivable thereon, 
tire risks terminated during the year, 
marine and inland risks terminated, 
fire risks outstanding at end of year, 
marine and inland nsks outstanding, 
cash dividends declared during the year, 
fire losses incuiTed during the year, 
marine losses incurred during the year, . 



144,666,875 
7,684,223 



$189,374,868 



$86,062,607 



176,340,743 

6,774,696 

7,081,376 

664,267 



$89,811,081 



$39,723,670 

3,862,024 

6,318,931 

790,661 

666,223 

16,096,216 

6,693,866 

2,02(M69 

• 6,007,189 



$80,066,849 



$8,886,022,087 

96,866,707 

1,043,318,909 

8,312,410 

8,646,437,442 

1,286,006,602 

11,829,096,046 

184,229,062 

6,631,202 

38,489,202 

3,209,201 



UNITED STATES BRANCHES OF 



FOREIGN FIRE AND MARINE 



INSURANCE COMPANIES 



Detailed Statement of Assets and Liabilities, with Abstract 
OF Annual Statements for the Year ending 

December 31, 1896. 



384 



ATLAS A88UBANOE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



UNITED STATES BRANCH OF THE "ATLAS ASSURANCE 

COMPANY," LONDON. ENGLAND. 

DxpOfliT Capital, $200,000. 
J. 11. NBUBUBGBB, General Manager. 

Office^ Chicago^ III. 



Detailed Statement of Stocks 



United States bonds, .... 

Boston city bonds, 

Fitchburg Railroad bonds, 

PennsylTania Railroad bonds, . 

N. Y. Centra] & Hudson Riyer Railroad bonds 

Boston & Maine Railroad bonds, 

New York & Putnam Railroad bonds, 

Louisville, Ky., city bonds, 

St Louis, Mo., city bonds, 

Massachusetts State highway loan, . 



AND Bonds. 

Par Valae. 

1300,000 00 
180,000 00 
20,000 00 
26,000 00 
26,000 00 
26,000 00 
26,000 00 
60,000 00 
16,000 00 
100.000 00 



MMtelTalM. 
$331,600 00 

195,600 00 
20,600 00 
29,625 00 
26,000 00 
29,125 00 
26,760 00 
62,760 00 
16,900 00 

107,000 00 



$766,000 00 |S32,660 00 



Summary of Assets Dec. 31, 1896. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross). 
Gross assets, 



$832,660 00 

226 79 

76,309 62 

8,447 60 

88,166 60 



$1,006,799 41 



UncidmiUed. 



Special deposits in other States, 
Cash not in control of trustees, 



$110,600 00 
76,686 31 



187,036 81 



Balance, $818,763 10 



LlABILFTIES. 

Losses adjusted, unpaid, • • . . 

claimed and reported, . 

disputed or resisted. 
Unearned premiums on outstanding risks. 
Due and accrued for rent, salaries, etc., . 



$9,368 04 
26,630 06 

4,660 00 
424,086 10 

2,639 21 



ATLAS A8SXJBANCE CO. 



385 



Commissions and brokerage, 
Reinsunmce disallowed, . 



Gross liabilities, except capital, 
Deduct liability on special deposits. 



•15,869 52 
8,336 97 

1485,479 90 
27,333 95 



1458,145 95 



Surplus as regai'ds policy holders, $360,617 15 

Deposit capiUl 200,000 00 

Surplus over capital, $160,617 15 



Incomb. 

Fire premiums outstanding Dec. 31, 1895, 
Same not collected, .... 



Net collected, .... 
Premiums on risks written or renewed. 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net casb fire premiums received. 

Interest and dividends received from all sources, 



$99,725 24 
75 61 

$99,649 63 
741,425 97 

$841,075 60 
88,165 60 

$752,910 00 
145,225 24 



$607,684 76 
27,745 87 



(iross cash income, $635,480 13 



Expenditures. 
Cash paid for fire losses, $300,152 84 

Deduct salvage and reinsurance, . . . 9,025 50 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 



(291,127 34 

116,852 91 

40,865 90 

12,789 35 

43,960 14 



Gross cash expenditures, $505,595 64 



Risks and Prehiuhs. 

Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 

Id force at end of year, . 
Deduct amount reinsured, . 

Net amount in force, . 



Premlnmi. 

$65,927,953 00 (806,451 36 
64,802,325 00 741.425 97 



$130,730,278 00 $1,547,877 33 
57,093,497 00 685,389 88 



$73,636,781 00 $862,487 45 
2,820,465 00 34,901 59 



$70,816,316 00 (827,585 86 



Miscellaneous. 
Fire losses incurred during the year. 



$294,989 00 



386 



BRITISH AMERICA ASSURANCE CO. 



UNITED STATES BRANCH OF THE " BRITISH AMERICA ASSUR- 
ANCE COMPANY," TORONTO, CANADA. 

DxpofliT Capital, $800,000. 
FREDERICK B. CARPENTER, Kew England Manager, 

Office, 92 Waier Streel, Boston, 



Detailed Statement of Stocks 



United States bonds, . 

Georgia State bonds, 

City of Richmond, Va., bonds, 

City of Toledo, Ohio, bonds, 

City of Columbus, Ohio, bonds 

City of London, Canada, bonds 

City of Toronto, Canada, bonds. 

City of Kingston, Canada, bonds. 

City of Winnipeg, Canada, bonds, 

City of Brooklyn, N. Y , bonds, 

City of Riverside, Cal., bonds. 

City of Colorado Springs, Col., bonds, 

New York & West Shore Railroad bonds, 

Central Canada L. & S. Co.^s debentures. 

Dominion of Canada stock, 

Toronto Electric Light Company bonds, . 

Chicago Electric Transit Company^s bonds, 

Rochester Electric Railway Company^s bonds. 

Freehold Loan and Savings stock, . 



AND Bonds. 

Par Valae. 

$276,000 00 
26,000 00 
26.300 00 
60,000 00 
60,(KX) 00 
160,000 00 
40,000 00 
20,000 00 
20.000 00 
80.000 00 
25,000 00 
26,000 00 
60,000 00 
26,000 00 
12,000 00 
20,000 00 
26,000 00 
26,000 00 
12,000 00 



Market Vataf. 

(306,250 00 
28,750 00 
26,774 00 
63,670 CO 
53,750 00 
166,493 00 
40^00 
22,360 00 
22,240 00 
30,900 00 
27,180 00 
26,250 00 
62,375 00 
26,000 00 
12,540 00 
20,000 00 
27,937 50 
27.062 50 
12,(KH) 00 



$916,300 00 f979,3;)6 00 



Summary of Assets Dbo. 31, 1896. 

Stocks and bonds, as per schedule, . . . $979,336 00 

Cash deposited in bank, 2,666 61 

Interest due and accrued, . . . . . 10,914 77 

Premiums in course of collection (gross), . 190,646 49 

Notes taken for marine and inland risks, 8,248 93 

Gross assets 

• 

UnadmiUtd, 

Special deposits in other States, . . . $161,024 00 

Cash not in control of trustees, . . 2,666 61 



$1,191,711 70 



163,690 51 



Balance, $1,028,021 19 



Liabilities. 



Iwosses adjusted, unpaid, . 

claimed and reported, 
diiiputed or resisted. 



$19,881 27 
78,197 78 
11,061 00 



BBinSH AMERICA ASSURANCE CO. 



387 



Unearned premiums on ontstanding risks, 
Commissions and brokerage, . 

Betnm premioms, 

Reinsurance, 



Gross liabilities, except capital, 
Deduct liability on special deposits. 



(591,254 09 

17,255 91 

17,262 44 

4,894 09 

$789,306 58 
68,547 38 



•670,759 20 



Surplus as regards policy holders, $857,261 99 

Deposit capital, 800,000 00 

Surplus over capital, $57,261 99 



Income. 

Fire premiuncis outstanding Dec. 81, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash fire premiums receiyed. 

Marine premiums outstanding Dec. 81, 1895, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash marine premiums received. 

Interest and dividends received from all sources. 



$171,573 59 
1,228,715 42 

$1,400,289 01 
179,012 38 

$1,221,276 68 
259,543 43 

$6,146 91 
197,248 18 

$203,895 09 
19,782 04 

$183,613 05 
41,225 84 



$961,788 20 



142,387 21 
88,145 62 



Gross cash income, $1,142,266 03 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses. 

Deduct salvage and reinsurance. 

Net cash paid for marine and inland losses, . - 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 
Sent to home office, 



$585,101 20 
16,708 56 

$244,833 44 
69,982 55 



$568,392 64 



174,850 89 

282,185 89 

26,766 09 

28,481 52 

92,098 09 



$82,117 25 



Gross cash expenditures, $1,121,724 62 



888 



BRITISH AND FOREIGN MARINE INSURANCE GO. 



Risks and Prbmiuhs. 

Premlanu. 

Fire risks oatstandiDg Dec. 81, 1895, $88,115344 00 $1,131,456 91 

Fire risks written during 1896, . . 78.207,801 00 1,228,715 42 



Total, 

Deduct risks expired and tenninated, 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, 

Marine risks outstanding Dec. 81, 1895, 
Marine risks written during 1896, . 



Total 

Dedact risks expired and terminated, 

In force at end of year, . 



$166,828,145 00 $2,360,172 88 
79,772,239 00 1,208,924 42 



$86,550,906 00 $1,151,247 91 
3,420,649 00 36,627 69 



$83,130,257 00 $1,114,620 22 

$3,557,519 00 $42,388 40 
20,916,746 00 197,248 18 



$24,474,265 00 $239,636 58 
22,000,986 00 206,389 65 



$2,478,279 00 $33,246 93 



Miscellaneous. 



Fire losses incurred during the year, 

Marine and inland losses incurred during the year. 



$542,261 00 
160,827 00 



UNITED STATES BRANCH OF THE "BRITISH AND FOREIGN 

MARINE INSURANCE COMPANY (LIMITED)," LIVERPOOL 

ENGLAND. 

DKP08IT Capital, $800,000. 

FRANK OAIR MACOllBBR, Ntw Sngiand Manager. 



Detailed Statement of Stocks 



Boston & Lowell Railroad bonds, 

Fitchburg Railroad bonds, 

Boston, Clinton, Fitch. & N. Bedford R.R 

Providence & Worcester Railroad bonds 

Boston & Maine Railroad bonds. 

Old Colony Railroad bonds. 

Eastern Railroad bonds, . 

Brooklyn city bonds, 

New York city water stock, 

United States bonds, 

City of Portland water bonds, 



b'ds 



AND Bonds. 

Par Value. 

1100,000 00 

80.000 00 

2,000 00 

60,000 00 

1,000 00 

49,000 00 

22340 00 

42,000 00 

68,000 00 

236,000 00 

9,000 00 



Market Talw. 
1102,333 S3 

80360 00 
2,290 00 
61,000 00 
1,177 60 
61,476 00 
27,402 80 
40,680 00 
66,986 00 

269,181 25 
10,486 00 



BRITISH AKI> FOBEIGN MARINE INSURANCE OO. 



389 



Allegheny Valley Railroad bonds, . 
Pennsylvania Railroad bonds, . 
Chicago, Mil. & St. Paul Railroad bonds, . 
Richmond city bonds, .... 



Summary of Assets Dbc 

Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Cash in office and bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks. 

Reinsurance due, 

Gross assets, 



Par Value. 

$100,000 00 
89,000 00 
76,000 00 
60,000 00 



Market Value. 
(126,000 00 

42,706 00 
86,260 00 
46,000 00 



f912,840 00 (984,664 88 

31, 1896. 

(41.000 00 

972 60 

984,664 88 

68,666 37 

413,771 17 

2,076 00 

66,293 84 

(1,661,833 76 



UnadmiUed. 



Special deposits in other States, 
Cash not in control of trustees. 
Bills receivable. 



(190,113 76 

63,666 87 

2,076 00 



246,746 12 



Balance, (1,306,688 64 



Liabilities. 



Losses adjusted and reported, . 
Losses disputed or resisted. 



Total amount of losses. 
Less reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Unused balances of premium notes, . 
Due and accrued for rent, salaries, etc.. 
State and local taxes. 
Commissions and brokerage, . 

Reinsurance, 

Keinsurance disallowed, . 



Gross liabilities, except capital, 
Deduct liability on special deposits, 

Snrplns as regards policy holders, . 
Deposit capital, . . . , 



Surplus over capital. 



(260,023 09 
29,618 00 

(279,641 09 
68,098 67 

(221,647 62 

466,668 79 

371 22 

16 61 

4,462 43 

28,688 86 

82,832 46 

68,093 67 

(862,880 46 
10.713 38 



841,967 07 

(463.621 67 
300.000 00 

(163,621 67 



890 



BRITISH AND FOREIGN MARINE INSURANCE CO. 



Income. 

Marine premiums outstanding Dec. 31, 1895, . $446,776 S4 
Same not collected, 14,250 66 



Net collected, #482,526 18 

Premiums on risks written or renewed, . 2,618,932 79 



Total $3,051,458 97 

Premiums now in course of collection, . . 435,241 12 



Entire premiums collected, .... $2,616,217 85 
Less reinsurance and return premiums, . . 911,088 76 

Net cash marine premiums received, . . $1,705,129 09 

Interest and dividends received from all sources, . . . 46,752 4$ 
Remitted from home office, .... $485,950 46 



Gross cash income, $1,751,881 55 



EXPBNDnURES. 

Cash paid for marine and inland losses, . . $1,595,244 97 
Deduct salvage and reinsurance, . . . 767356 71 
Net cash paid for marine and inland losses, .... 
Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

Remitted to home office, $1,053,403 51 



$827,388 26 
227,436 43 
113,311 85 

29,879 83 



Gross cash expenditures, $1,198,016 87 



Risks and Premiums. 

Marine risks outstanding Dec. 31, 1895, . . $37,783^57 00 $512,764 75 
Marine risks written during 1896, . 



Total, ..... 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured. 



. 812,409,075 00 2,618,932 79 



$850,192,932 00 $3,131,697 54 
. 804,896,683 00 2,675,028 75 



. $45,296,249 00 $456,668 79 
. 15,586,351 00 197,227 86 



Net amount in force, $29,709,898 00 $259,440 95 



Miscellaneous. 
Marine and inland losses incurred during the year. 



. $835,752 00 



CALEDONIAN INSURANCE CO. 



391 



UNITED STATES BRANCH OF THE " CALEDONIAN INSURANCE 

COMPANY," EDINBURGH, SCOTLAND. 
Dbposit Capital, $200,000. 

CHARLES H. POST, 
N. A. MoKBIL, 



Manager9. 

Office, New York, N, F. 



Detailed Statement of Stocks 



United States bonds, .... 

New York City bonds, .... 
Central Railroad of New Jersey bonds, . 
Baltimore & Ohio Railroad bonds, . 
PeDD. & New York Canal & Railroad bonds. 
New York, Chicago & St. Louis R R. bonds, 
Lehigh Valley Railroad bonds, 
Chicago, Burlington & Quincy R.R bonds, 
Allentown Terminal Railroad bonds, 
Richmond & Petersburg Railroad bonds, 
St. Paul, Minneapolis & Manitoba R.R. bonds 
Lake Erie & Western Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Phila., Wilmington & Baltimore fi.R. bonds, 
St Paul, Minneapolis & Manitoba R.R. bonds 
Long Island Railroad Company bonds, . 
Chicago, Rock Island & Pacific R.R. bonds, 
Portland, Oregon, water loan bonds. 
State of Greorgia bonds, . 
Lehigh Valley Coal Company bonds. 
City of Richmond, Va., bonds, . 
Jersey City bonds, .... 
Frbmont, Elkhom & Missouri Valley R.R 
Albany & Susquehanna Railroad bonds. 



b'ds. 



AND Bonds. 

Par Valae. 
J300,000 00 

325,000 00 
110,000 00 
100,000 00 
100,000 00 
60,000 00 
60,000 00 
60,(t00 00 
50,000 00 
60,000 00 
50.000 00 
50,000 00 
60.000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
25,000 00 
25,000 00 
25.000 00 
84,000 00 
15,000 00 
15,000 00 



Hftrket Valoe. 
1331,500 00 
333,906 25 
129,800 00 
100,000 00 
95.000 00 
62,100 00 
57,000 00 
44,000 00 
50,000 00 
50,000 00 
44,000 00 
58.750 00 
59.000 00 
51,000 00 
52,500 00 
42,500 00 
52,250 00 
57,125 00 
25,000 00 
23.500 00 
25,000 00 
39,840 00 
19,200 00 
18,750 00 



♦1,734.000 00 ♦1.821,721 25 
SuMHABT OF Assets Dec. 31, 1896. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross). 

Reinsurance, 

Prem^s more than three mos. due, (1,732 25 
Gross assets, 



♦1,821,721 25 

501 77 

91,376 30 

20,083 96 

164,019 57 

1,748 85 



♦2.099,461 70 



Special deposits in other States, 
Cash not in control of ti*nstees. 



Unadmitted, 



1217,625 00 
41,509 96 



259,134 96 



Balance (1,840.316 74 



392 CALEDONIAN INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, (71,376 56 

claimed and reported, .... 76,694 55 

disputed or resisted, .... 24,099 94 

Total amount of losses, 9172,171 05 

Less reinsurance, 5,172 53 



Net amount of unpaid losses, .... (166,99852 

Unearned premiums on outstanding risks, 959,689 88 

Commissions and brokerage, .... 30,149 74 

Reinsurance, etc., 26,461 57 

Reinsurance disallowed, 1,296 67 



Gross liabilities, except capital, . . (1,184,596 38 
Deduct liability on special deposits, . . 87,127 23 



(1,097,469 15 



Surplus as regtirds policy holders, $742,847 59 

Deposit capital, 200,000 00 

Surplus over capital, (542,847 59 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received. 



(112,295 65 
1,58.M41 53 

(1,694,437 18 
165,751 82 

11,528,685 36 
297,986 81 



(1,230,698 55 

Interest and dividends received from all sources, . . . 65,953 57 



Gross cash income, (1,296,652 12 

Expenditures. 

Gash paid for fire losses, (818,476 12 

Deduct salvage and reinsurance, . . . 51,061 44 

Net cash paid for fire losses, .... (767,414 6^ 

Cash paid for commissions and brokerage, .... 249,232 38 
for salaries of officers and employees, . . . 74,<X)0 63 

for State and local taxes, 46,776 78 

for incidentals 66,996 17 

to Niagara Fire Ins. Co. on aco^t special contract, . 10,000 00 
Remitted to home office, (30,670 69 

Gross cash expenditures, (1,214,420 54 



COMMERCIAL UNION ASBUBANCB CO. (LIMITED). 393 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written daring 1896, . 



Risks and Pbbmiums. 

PremlamB. 

1216,657,661 00 ♦2,879,590 91 
181,743,133 00 1,582,141 53 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force. 



$348,400,784 00 $3,961,732 44 
157,718,415 00 1,836,922 59 



$190,682,369 00 $2,124,809 85 
10,279,885 00 126,161 01 



$180,402,484 00 $1,998,648 84 



Miscellaneous. 
Tire losses incurred during the year, . 



. $731,345 00 



UNITED STATES BRANCH OF THE "COMMERCIAL UNION 
ASSURANCE COMPANY (LIMFrED)." LONDON, ENGLAND. 

Dbposit Capital, $200,000. 
CHARLES BE WALL, RettdetU Manager. 

Office, New York, N. T. 



Detailed Statement of Stocks 



United States bonds, .... 

Akron & Chicago Junction Railroad bonds. 
Central of New Jersey Railroad bonds, . 
Chicago, Burlington & Quincj R.R. bonds, 
Chicago, Milwaukee A St. Paul R.R. bonds, 
Chicago & Northwestern R R. bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Cleye., Cin., Chicago & St. Louis R.R. bonds, 
Indianapolis & Yincennes Railroad bonds, 
Lehigh Valley of New York Railroad bonds, 
Lehigh Valley Terminal Railroad bonds, 
Michigan Central Railroad bonds, . 
Milwaukee, Lake Shore & Western R.R. bonds 
N. Y. Central & Hudson River R.R. bonds. 
New York, Lackawanna & Western R.R. b^ds 
Pitts., Fort Wayne & Chicago R.R. stock. 
Western Pennsylvania Railroad bonds, . 
"West Shore Guaranteed Railroad bonds, . 



AND BOKDS. 

Par Valoe. 

(425,000 00 
30,000 00 
60,000 00 
100,000 00 
160,000 00 
123,000 00 
60,000 00 
60,000 00 
66,000 00 
60,000 00 
60,000 00 
40,000 00 
25,000 00 
80,000 00 
60,000 00 
16,000 00 
60,000 00 
60,000 00 



Market Value. 
(463,260 00 

30,000 00 

■ 67,000 00 

103,000 00 

176,687 60 

148,840 00 

76,600 00 

44,000 00 

78,000 00 

60,000 00 

64,600 00 

43,200 00 

32,500 00 

34,800 00 

66,600 00 

24,000 00 

60,600 00 

62,000 00 



11,413,000 00 (1,683,777 60 



894 COMMERCIAL UNION ASSURANCE CO. (LIMITED). 



Summary of Assets Dec. 31, 1896. 



Cash value of nnencuinbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross). 
Notes taken for marine and inland risks. 
Rents due and accrued, .... 
Reinsurance due, .... 
Gross assets, 



$918,808 08 

1,688,777 60 

807 80 

604,763 69 

22,796 81 

361,489 62 

16,861 35 

7,646 94 

1,776 80 



$3,417,710 34 



UnadmiUecL 

Special deposits in other States, . . $246,260 00 

Cash not in control of trustees, . . . 72,922 69 

Bills receivable, 16,861 36 

336,034 04 

Balance, $3,082,676 30 

Liabilities. 

Losses adjusted, unpaid, (80,086 10 

claimed and reported, .... 126,660 00 
disputed or resisted, .... 17,800 00 

Total amount of losses, f 223,446 10 

Less reinsurance, 309 00 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Reclaim able on perpetual fire policies, . 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, .... 



Gross liabilities, except capital. 
Deduct liability on special deposits. 



$223,136 10 

. 1398,226 86 

84,179 68 

61,406 32 

4,684 09 

162 64 

. $2,261,786 48 
160,130 19 



2.111,665 29 



Surplus as regards policy holders, $971,021 01 

Deposit capital 200.000 00 

Surplus over capital, $771,021 01 



COMMEBGIAL UNION ASSURANCE GO. (LIMITED). 395 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash fire premiums received. 

Marine premiums outstanding Dec. 31, 1895, 

Premiums on risks written or renewed, . 



•413,938 17 
2,946,894 28 

•3,360,832 45 
360,218 23 

$3,000,614 22 
570,582 43 

14,549 13 
179,911 63 



$2,430,031 79 



Total, $184,460 76 

Premiums now in course of collection, . 1,271 29 



$183,189 47 
19,186 49 



Entire premiums collected, . . . . 
Less reinsurance and return premiums, . 

Net cash marine premiums received, . . 

interest and dividends received from all sources, . 

Income from rents, 

Deposits received for perpetual fire risks, . $10,451 25 



164,002 98 
70,198 00 
31,722 78 



Gross cash income, $2,695,955 55 



EXPENDITUBES. 

Cash paid for fire losses, . 

Deduct salvage and reinsurance. 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses. 

Deduct salvage and reinsurance. 

Net cash paid for marine and inland losses, . - 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 



$1,345,373 03 
35,589 92 

$214,342 91 
17,998 56 



Gross cash expenditures. 



$1,309,783 11 



196,344 35 

, 442,157 15 

150,640 18 

62,658 07 

130,103 53 

$2,291,686 39 



Fire risks outstanding Dec. 81, 1895, 
Fire risks written during 1896, 



Risks and Pkeiiiums. 

Premiums. 

$370,555,864 00 $3,961,252 95 
276,424,598 00 2,946,894 28 



Totol, 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, . 



$646,980,462 00 $6,908,147 23 
278,138,586 00 3.055,709 34 



$368,841,876 00 $3^52,437 89 
9,314,244 00 83,544 20 



$359,527,632 00 $3,768,893 69 



396 



HAMBURO-BREMEN FIRE INSURANCE CO. 



Perpetual risks in force (not incPd above), . 14,491,229 00 (9S«582 87 



Marine risks outstanding Dec. 31, 1895, 
Marine risks written during 1896, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . • 
Deduct amount reinsured, 



Net amount in force, 



. 1744,152 00 «19,631 06 
. 85,187,178 00 179,911 63 



.(85,981,330 00 $199,542 69 
. 35,456,030 00 185,121 83 



(475,300 00 1 14,420 86 
20,000 00 900 00 



(455,300 00 $13,520 86 



Miscellaneous. 

Fire losses incurred during the year, • . 
Marine and inland losses incurred during the year, 



$1357,626 00 
181,344 00 



UNITED STATES BRANCH OF THE "HAMBURG-BREMEN FIRE 
INSURANCE COMPANY,'' HAMBURG, GERMANY. 

Dbpobit CaPITAIi, $200,000. 
F. O. AFFELD, Be*ident Manager. 

Office, New York, N, Y. 



Detailed Statement of Stocks 



United States bonds, 

Georgia State bonds, .... 

New York City water stock, . 

New York City schoolhouse bonds, . 

Portland City, Oregon, bonds, . 

Providence City, R. I., bonds, . 

Richmond City, Va., bonds, 

St. Louis City, Mo., bonds, 

Atchison, Topeka & Santa F^ Railroad bonds, 

Beech Creek Railroad bonds, . 

Central Railroad of New Jersey bonds, . 

Central Ohio Railroad bonds, . 

Central Pacific Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Chicago, Milwaukee & St. Paul bonds, . 

Chicago & Northwestern Railroad bonds, 

Chicago, Rock Island & Pacific R.R. bonds, 

Cinc^nati, Ind^polis, St. Louis & Chic. R.R. b^ds, 

Denver & Rio Grande Railroad bonds, . 

East Tennessee,yirginia & Georgia R.R. bonds, 

Edison Eiec. Illuminating Co. of N. Y. bonds, . 



AND Bonds. 

Par Valtae. 

•100,000 00 
25,000 00 
180,000 00 
100,000 00 
60,000 00 
26.000 00 
16,000 00 
26,000 00 
18,600 00 
20,000 00 
80,000 00 
26,000 00 
20,000 00 
20,000 00 
80,000 00 
26,000 00 
26,000 00 
28,000 00 
25,000 00 
26,000 00 
20,000 00 



Market Valw. 

•110,125 00 
28,562 oO 
129,675 00 
99,500 00 
56,750 00 
28,250 00 
16,200 00 
26,250 00 
14,615 00 
21.000 00 
85,550 00 
24,600 00 
20,700 00 
28,650 00 
84,425 00 
84,875 00 
81,750 00 
27,160 00 
22.562 50 
26,687 50 
21300 00 



HAMBUBG-BREMEK FIRE INSURANCE GO. 



39T 



Illinois Central Railroad bonds, 
Kansas Pacific R. R. Trust Co. certificates. 
Lake Erie & Western R.R. bonds, . 
J^ng Island Railroad bonds, . 
LouisYilIe & Nashville Railroad bonds, . 
New York, Chicago & St. Louis R.R. bonds. 
New York, Lake Erie & Western R.R. bonds, 
Northern Pacific Railroad bonds, 
Oregon Railway & Navigation Co. bonds, 
Pennsjlvania Co. bonds, .... 
Pennsylvania Railroad bonds, . 
Pittsburgh, Cin , Chic. & St. Louis R.R. bonds 
St. Paul, Minneapolis & Manitoba R.R. bonds, 
Scioto Valley & New England R.R. bonds, 
Union Pacific R.R. Trust Co. certificates, 
Wabash Railroad bonds, .... 



Par Valoe. 
»50,000 00 
20,000 00 
80,000 00 
30,000 00 
80,000 00 
80,000 00 
25,000 00 
20,000 00 
10,000 00 
80,000 00 
26,000 00 
80,000 00 
80,000 00 
80,000 00 
20,000 00 
80,000 00 



Market Valae. 
$50,000 00 

19,000 00 
85,100 00 
85,400 00 
28,500 00 
81,050 00 
34,750 00" 
23,200 00 
11,812 50 
83,800 00 
27,850 00 
32,400 00 
31,500 00 
24,300 00 
20,600 00 
31,650 00 



•1,221,500 00 $1,303,500 00 



SUMMART OF ASSETS DeC. 81, 1896. 



Stocks and bonds, as per schedule, . 

Cash deposited in bank, 

Interest due and accrued, . . . • , 
Premiums in course of collection (gross), 
Prem^s more than three mos. due, $4,044 42 
Gross assets, 



11,803,500 00 

60,982 07 

1,000 00 

123,870 37 



$1,489,352 44 



Special deposits in other States. 
Bonds not in control of trustees. 
Cash not in control of trustees. 



UnadmiUed, 



$101,512 50 

167,690 00 

60,982 07 



830,184 57 



Balance. $1,159,167 87 



Liabilities. 
Losses adjosted, unpaid, . . 

claimed and reported, . 

disputed or resisted. 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits. 



Snrplns as regards policy holders, 
Deposit capital. 



Surplus over capital. 



$10,585 00 
40,415 00 
13,085 00 

798,010 68 
23,580 62 

$885,676 30 
61,847 08 



823,829 22 

$335,338 65 
200,000 00 



$135,838 65 



^98 HELVETIA SWISS FIRE INSUKANOE CO. 

Income. 

Pire premiums outstanding Dec. 81, 1895, . $107,338 31 
Premiums on risks written or renewed, . . 1,362,553 90 

Total, f 1,469,892 21 

Premiums now in course of collection, . . 127,914 79 

Entire premiums collected, .... (1,341,977 42 
Less reinsurance and return premiums, . . 246,628 57 

Net cash fire premiums received, . . . $1,095,348 85 

Interest and dividends received from ail sources, . 60,418 45 

Gross cash income, $1,155,767 SO 

Expenditures. 
Cash paid for fire losses, $616,705 19 

Deduct salvage and reinsurance, . . . 15,152 62 

Net cash paid for fire losses, .... — $601,552 57 

^ash paid for commissions and brokerage, .... 208,337 99 

for salaries of officers and employees, . . . 93,774 62 

for State and local taxes, 26,824 82 

for incidentals, 67,932 21 

Gross cash expenditures, $998,422 21 

Risks and Premiums. pwrnimnt. 

Fire risks outstanding Deo. 31, 1895, . $129,419^67 00 $1,623,408 59 
Fire risks written during 1896, . . 109,880,058 00 1,362^8 90 

Total, $239,299,925 00 $2,985,962 49 

Deduct risks expired and terminated, . 108,175,807 00 1,365,972 86 

In force at end of year, .... $131,124,118 00 $1,619,989 61 
Deduct amount reinsured, . . . 3,666,561 00 40,832 46 

Net amount in force, . . . $127,457,557 ('0 $1,579,157 15 

Miscellaneous. 
>Fire losses incurred during the year, $579,572 00 



UNITED STATES BRANCH OF THE "HELVETIA SWISS FIBE 
insurance company," ST. GALL, SWITZERLAND. 

Dspoarr Capital, $200,000. 

WEED & KENNEDY, United StaUt Manager** 

Office, 29 Liberty Street, New York, N. Y, 
Detailed Statement of Stocks and Bonds. 

Par Talae. Mvtet Vfttoa. 

New York State canal bonds, .... $200,000 00 $200,000 00 

United States bonds 270,000 00 804,500 00 

Lake Erie & Western Railroad bonds, . . 6,000 00 5,875 00 



HELVETIA SWISS FIEE INSURANCE CX). 



399 



Milwaukee, Lake Shore & Western bonds, 
St. Paul & Sioux City bonds, . 
Eyansville & Terre Haute bonds, . 
Ijoug Island Railroad Company bonds, 
Pacific Railroad of Missouri bonds, . 
Denver <& Rio Grande bonds, . 
Central Ohio Railway Co. bonds, 
Cleveland & Mahoning Valley bonds, 
Lehigh Valley Railway Co. bonds, . 
New York city bonds. 



Par Valae. 

$5,000 00 
6,000 00 
6.000 00 
6,000 00 
6.000 00 
5,000 00 
6,000 00 
5,000 00 
5,000 00 

30,000 00 



Market Value* 
$6,500 00 

6,600 00 

5,875 00 

5.900 00 

5.000 00 

6.500 00 

4,900 00 

6,060 00 

5.050 00 

32,137 50 



(560,000 00 $693,287 50 
Summary of Assets Dec. 31, 1896. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, ..... 



$693,287 60 

205 90 

64,881 66 

3,087 60 

61,422 65 



Cash not in control of trustees. 



Unadmitted, 



$722,885 11 



2,209 66 



Balance, $720,676 66 



LlABIUTIES. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Uneamcil premiums on outstanding risks. 
State and local taxes, .... 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, . 



$19,306 00 

1.000 00 

113,368 92 

94 63 

12,877 48 

6,763 42 



Surplus as regards policy holders. 
Deposit capital. 



162.399 36 

$568,276 21 
200.000 00 



Surplus over capital, $368,276 21 



Income. 

Fire premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 



Entire premiums collected. 

Less reinsurance and return premiums, • 

Net cash fire premiums received. 

Interest and dividends received from all sources, 



$6,931 60 
242,741 01 

$249,672 61 
61,422 66 

$188,249 86 
27,906 86 



$160,343 00 
9,458 18 



Gross cash income, $169,801 18 



THE lUPBBIAL INSUEAyCB OO. (LIMITED). 



EXFENDITURES. 

Cash paid for fire losses (18^91 67 

Deduct salvage and reiasuranoe, . . . 49S 04 

Net cash paid for fire losses, .... {48,098 63 

Cash paid for commissions and brokerage, .... 39,309 35 

for SUte and local taxes, 1,625 90 

for incidentals, 2,600 86 

Gross cash expenditures (91,634 74 



Risks and Pbehiuhs. 



Fire risks oatstanding Dec 31, 189&, 
Fire risks written during 1896, 

Tola), 

Deduct risks expired and terminated, 

In force at end of year, . . 
Deduct amount reinsured. 

Net amount in force, . 



MiSCELLANEOGS. 

Fire losses incurred during the jear. 



95,816,982 00 164,876 06 
23345,307 00 242,741 01 



129,662,289 00 $307,617 07 

8,680.160 00 84,745 90 



120,864,954 00 I2203S3 41 



UNITED STATES BRANCH OF "THE IMPERIAL INSURANCE 
COMPANY (LIMITED)," LONDON, ENGLAND. 

DiroiiT Capital, flOO.OOO. 
J. J. COOaTNBY, AltOTTUif. 

Office, 33 Pine Street, Sew York, N, T. 



Detailed Statement of Stocks and Bonds. 



United States bunds, , 
New York City bonds. 
City of Boston bonds. 
City of Providence bonds. 
West Shoro Railroad bond 
Lehigh Valley Railroad bonds, 
West Virginia Stale certiBcates, 
County of Essex, N. J., park bonds, 
Hadson County, N. J,, bonds, . 



1-^1.000 00 1529,701 !5 



108.650 00 
102.937 60 

51,370 83 
107,000 OO 

40,800 00 

1,720 00 

102,520 83 

55,625 00 

tl,069,666 67 <1, 100,226 41 



110,000 00 
100,00n 00 

60.000 00 
100.000 00 

40,000 00 

28.666 67 
100,000 00 

60,000 00 



THE lUPERIAL INBDRANOE OO. (LIMITED). 



SuuHABT OF Assets Dec. 31, 1896. 

ilueof unencumbered real estate, 1476,634 70 

Hid bonds, as per schedule, . . . l,10O,S25 41 

the office of the company, ... 400 00 

ipoaited in baofa 89.08106 

ma in course of collection (gross), 166,144 68 

iken for fire risks, .... 2,444 00 

ic and accrued 2,7fi7 60 

more than 8 niDS. due, . 14,021 09 



Unadmitted. 

deposits iu other States, . 9269.»06 26 

It in control 89,481 06 

eeivable 2,444 00 



ance, 11,465.965 9 



iiljnsted, unpaid, . 
slaimed and reported, , 
lisputed or resisted, 
nount of losses, . 



)nnt of unpaid losses, . 

m1 premiums on outstanding risks, 

isions and brokerage, . 

ance disallowed, .... 



(20,366 16 

44,420 60 

6.860 00 

171,645 76 

3,874 03 

167,771 73 

803,727 96 

11,397 67 

197 63 



>ss liabilities, except capital, 
liability on special deposits, 



as regards policy holders $659,149 7} 

capital 200,000 00 

plus over capital «469,149'72 



Incohk. 
3. 31, 1896, 
'enewed, . 



from all sources. 



1196,441 60 
1,362,471 14 

|1,547'^'94 
160,165 67 

»l,387,747 27 
282,678 82 



- 11,105,068 45 
40,468 30 
34,403 97 



402 



THE LANCASHIRE INSURANCE CO. 



EXPENDITITRES. 

Cash paid for fire losses, $673,823 99 

Deduct salvage and reinsurance, . . . 48,398 33 

Net cash paid for fire losses, .... $625,425 66 

Gash paid for commissions and brokerage, .... 209,780 SO 

for salaries of officers and employees, . . 98,145 46 

for State and local taxes, 30,692 96 

for incidentals, 60,248 24 

Gross cash expenditures, ...... .$1,024,24262 



Risks and Premiums. 

Premlom*. 

Fire risks outstanding Dec. 31, 1895, . (174,004,469 00 (1,855,378 10 
Fire risks written during 1896, . . 111,560,368 00 1,352,471 14 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, 



$285,564,832 00 $3,207,849 24 
126,274,513 00 1,487,635 75 



$159,290,319 00 $1,720,213 49 
11«584,338 00 102,946 71 



$147,705,981 00 $1,617,266 78 



Miscellaneous. 
Fire losses incurred during the year, ..... $615,392 00 



UNITED STATES BRANCH OF " THE LANCASHIRE INSURANCE 

COMPANY," MANCHESTER, ENGLAND. 

Dbpoait Capital, $200,000. 
B. LITOHFIBLD, Retideni Manager, 

Office, New York, N. F. 



Detailed Statement op Stocks Ain> Bonds. 

Piar Vain*. 

United States bonds, $600,^00 00 



Albany & Susquehanna Railroad bonds, . 
Atchison, Topeka & Santa F6 Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Brooklyn & Montauk Railroad bonds, 
Chicago, Burlington & Quincy Railroad, . 
Chicago, Milwaukee & St. Paul Railroad, 



15,000 00 
52,000 00 
75,000 00 
30,000 00 
85,000 00 
45,000 00 



MaitvtVftliK. 

$656,875 00 
17,550 0(1 
84,792 50 
79,375 iX> 
3J,8O0 00 
83,600 00 
51,800 00 



THE LANCASHIBE INSUBANCE GO. 



403 



Chicago & Northwestern bonds, 
Chicago, Rock Island & Pacific Railroad bonds 
Cleve., Cin., Chic. & St. Louis R.R. bonds, 
Chicago, St. Louis & New Orleans R.R. bonds 
City of Portland, Oregon, water bonds, . 
Detroit, Monroe & Toledo Railroad bonds, 
Illinois Central Railroad bonds, 
Michigan Central Railroad, 
Milwaukee & St. Paul Railroad Company, 
N. Y. Central & Hudson Rirer R.R. bonds. 
New York, Lack. & Western Railroad bonds, 
Northern Central Railroad bonds, . 
North Pennsylvania Railroad bonds, 
Ottumwa, Cedar Falls & St Paul R.R. bonds 
Philadelphia & £rie Railroad bonds, 
Pennsylvania Railroad Company, . 
Rome, VVatertown & Ogdensburg R.R. bonds 
Syracuse, Binghamton & N. Y. R.R. bonds. 
State of Georgia bonds, .... 
St Paul & Northern Pacific Railroad bonds, 
St Paul, Minneapolis & Manitoba R.R. bonds 
Western Pennsylvania Railroad bonds, . 
County of Essex, N. J., park bonds. 



Pir Vain*. 

$40,000 00 
20,000 00 
60,000 00 
60,000 00 
60,000 00 
19,000 00 
30.000 00 
16,000 00 
10,000 00 
10,000 00 
16.000 00 
13,000 00 
10,000 00 
20.000 00 
18.000 00 
30,000 00 
26,000 00 
22,000 00 
26,000 00 
22,000 00 
60,000 00 
10,000 00 
26,000 00 



Market Value. 
(40,060 00 

26,400 00 
46,260 00 
51,300 00 
66,600 00 
28,760 00 
30.800 00 
17,860 00 
12,826 00 
11,600 00 
19,960 00 
14,690 00 
12,200 00 
21,800 00 
23,680 00 
34,300 00 
29,260 00 
27,600 00 
26,000 00 
27,280 00 
48,126 00 
10,100 00 
26,600 00 



•1,431,000 00 $1,638,292 60 



Summary of Assets Dec 

Cash value of unencumbered real estate. 
Stocks and bonds, as per schedule, . 
Cash in the oflice of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gpross). 
Gross assets, 



31, 1896. 

$386,686 72 

1,638,292 60 

1,117 62 

113,748 36 

269,607 43 



$2,308,261 63 



UnadmiUed. 



Special deposits in other States, 
Cash not in control of trustees. 



$247,260 00 
67,833 81 



306,083 81 



Balance, $2,003,167 72 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted. 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
State and local taxes, .... 



$76,777 76 

83,686 49 

27,793 46 

1,290,904 24 

2.234 40 

6,000 00 



404 



THE LANCASHIRE INSURANCE CO. 



Commissions and brokerage, 
Reinsurance disallowed, . 



Gross liabilities, except capital, 
Deduct liability on special deposits, 



940,000 00 
1.676 41 

91,538.071 74 
106.764 66 



91,427,307 as 



Surplus as regards policy holders 9676.860 64 

Deposit capiUl, 200,000 00 

Surplus over capital, 9376,860 64 



Income. 

Fire premiums outstanding Dec. 31, 1896, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 



Entire premiums collected. 

Less reinsurance and return premiums. 

Net cash fire premiums received, . 

Interest and dividends received from all sources. 

Income from rents. 



9244,436 33 
2,44Q,663 06 

92,684,988 39 
269,607 48 



92,416,480 96 
642.490 98 



91,872,989 98 

66,922 65 

8.721 88 



Deposits received for perpetual fire risks. 



92,234 40 



Gross cash income, 91*948,633 96 

Expenditures. 
Cash paid for fire losses, 91,046,713 21 

for commissions and brokerage, .... 323,077 4S 

for salaries of officers and employees, . . . 178.670 95 

for State and local taxes, 46,289 00 

for incidentals, 148,166 Si 



Gross cash expenditures, ...... .91,740,80641 



Risks and Premiums. 

Fire risks outstanding Dec. 31, 1896, 
Fire risks written during 1896, 



Total. 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 

Perpetual risks in force (not incrd above). 



Premlnni. 

9230.427,614 00 92,620.467 '66 
214,976,643 00 2,440,662 06 



9446.403,267 00 96,061,019 61 
206.260,464 00 2,371,468 23 



9240.162,793 00 92,689,661 88 
20,631,480 00 176,743 97 



9219.621.313 00 92«612«817 41 
963,100 00 92,362 00 



Miscellaneous. 
Fire losses incurred during the year. 



91,003,968 00 



LIOK FIRE INSURANCE CO. 



405 



UNITED STATES BRANCH OF THE "LION FIRE INSURANCE 

company;' LONDON, ENGLAND. 

DxpofliT Capital, $900,000. 
K. BENNETT, BuHneta Manager. 

Office^ Eartford, Conn. 



Detailed Statement of Stocks 



United States bonds, 

City of Brooklyn bonds, .... 
City of Richmond bonds, .... 
Georgia State bonds, .... 
Central Railroad of New Jersey bonds, . 
County of Lucas, Ohio, court house bonds, 
Baltimore & Ohio bonds, .... 
Staten Island Railway bonds, . 



and Bonds. 

Par Value. 

150,000 00 
210,000 00 
17,000 00 
26,000 00 
25,000 00 
100,000 00 
26,000 00 
16,000 00 



Market Yaln*. 
f 55,062 50 

214,200 00 
17,000 00 
25,000 00 
28,625 00 

101,000 00 
25,000 00 
16,400 00 



$468,000 00 (482,287 50 



Summary of Assets Dec. 31, 1896. 



Cash value of unencumbered real estate, 
I^oans on mortgage of real estate (first liens *) 
Interest due or accrued thereon. 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Intei-est due and accrued, . 
Premiums in course of collection (gross), 
Prem*8 more than three mos. due, . |285 16 
Gross assets, 



$4,500 00 

192,100 00 

4,378 45 

482,287 60 

381 00 

136,129 87 

6,227 08 

59,848 19 



♦886,797 09 



UnadmitUd* 



Special deposits in other States, 
Cash not in control of trustees, 



(198,062 50 
1,460 87 



199,528 37 



Balance, $686,273 72 

Liabilities. 

Losses adjusted, unpaid, $17,453 82 

claimed and reported, .... 28,61185 

disputed or resisted, .... 4,717 90 

L'noarDed premiums on outstanding risks, . 384,914 82 

• Value of Uodt mortgAgvd, $146,865 00 

V&liM of buildings Ui«r«on 284,585 00 

Amoaot of inturanoe held m eoUfttenl, .... 243,800 00 



406 



LION FIBE INSUBANCE CO. 



Commissions and brokerage, 
Reinsurance disallowed, . 



Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy holders, . 
Deposit capital, 



Surplus over capital. 



Income 



Fire premiums outstanding Dec. 31, 1895 
Premiums on risks written or renewed. 



Total 

Premiums now in course of collection, 

Entire premiums collected, . 

Less reinsurance and return premiums, 

Net cash fire premiums received. 

Interest received on mortgages. 

Interest and dividends received from all other 



f 11,017 79 
188 80 

$446,899 98 
47,907 23 



Gross cash income, 



EXPEKDITUBES 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance. 

Net cash paid for fire losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employe 
for State and local taxes, 
for incidentals, . 



Gross cash expenditures. 



$63,959 51 
729,619 75 

$793,579 26 
60,133 35 

$733,445 91 
181,886 97 



sources, . 



$360,304 58 
29,853 65 



es. 



$398,992 7^ 

$287,280 97 
200,000 00 

$87,280 97 



$551,558 94 

9,812 71 

18,643 5S 

$579,515 18 



$330,450 95 

109,446 17 

38,629 63 

15,049 56 

42,697 37 

$536,272 66 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Risks and Pbbhiums. 

Premlnmi. 

$65,331,964 00 |808,5]6 7} 
56,753,022 00 729,619 76 



Total 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 



$122,084,986 00 $1,538,135 47 
54,712,877 00 695,526 5& 



$67,372,109 00 $842,608 91 
5,571,361 00 82,386 OS 



Net amount in force, . . 

Miscellaneous. 
Fire losses incurred during the year, 



$61,800,748 00 $760,223 83 



$320,069 0(> 



LIY£BPOOL AND LONDON AND GLOBE INSUBANOE GO. 407 

UNITED STATES BRANCH OF THE " LIVERPOOL AND LONDON 
AND GLOBE INSURANCE COMPANY/' LIVERPOOL, ENGLAND. 

Dbpobit Capital, $200,000. 
HSNRT W. BATON, BetiderU Manager. 

Office, New York, N. F. 
Detailed Statement of Stocks and Bonds. 

Par Taloe. Market Value. 

United States bonds, |1,575,000 00 |l,d43,200 00 

New York city bonds 100,000 00 107,875 00 

Richmond city bonds, 5,000 00 6,450 00 

Boston city bonds, 180,000 00 205,650 00 

11,860,000 00 12,162,675 00 

Summary of Assets Dec. 31, 1896. 

Cash yalue of unencumbered real estate, . $1,730,000 00 

Loans on mortgage of real estate (first liens *), 3,575,7 18 64 

Interest due or accrued thereon, . . . 45,522 62 

Stocks and bonds, as per schedule, . . . 2,162,675 00 

Cash in the office of the company, . . . 7,402 20 

Cash deposited in bank, 838,699 32 

Interest due and accrued, .... 475 64 

Preminms in course of collection (gross), . 948,702 43 

Loans on life policies, ..... 14,589 61 

Rents accrued, 10,000 00 

Other assets 5,759 87 

Prem's more than three mos. due, $55,745 45 

Gross assets, $9,339,545 33 

Unadmitted, 
Special deposits in other States, . . $264,000 00 

Real estate 597,000 00 

Cash not in control of trustees, . . . 87,677 32 

Loans on life policies, 14,589 61 

Miscellaneous, 5,759 87 

969.026 80 

Balance, $8,870,518 53 

Liabilities. 
Losses adjusted, unpaid, . • . . . . $1,418 91 

claimed and reported, .... 727,827 25 

disputed or resisted, .... 142,755 00 

Total amount oflosses, $872,001 16 

Less reinsurance, 355,293 25 

Net amount of unpaid losses, .... $516,707 91 

* Value of landa mortgaged, $3,237,450 00 

Valae of baildlDga thereon 3,331,358 00 



408 LIVERPOOL AND LONDON AND OLOBE INSURANCE CO. 



Unearned premiums on ontstanding risks, 
Reolaimable on perpetual fire policies, 
Liabilities under life department, . 
Return premiums, . 
Commissions and brokerage. 
Reinsurance, 

Reinsurance disallowed, . 
Contingent resenre, . 



Gross liabilities, except capital, 
Deduct liability on special deposits, 



•8,928,272 69 

830,613 90 

106,907 48 

67,689 00 

154,012 93 

91,«81 09 

28,377 46 

60,000 00 

$5,274,462 46 
197,363 61 



15,077,098 85 



Surplus as regards policy holders, |3,298,419 68 

Deposit capital, 200,000 00 



Surplus oyer capital, 13,093,419 68 



Ikcomb, 

Fire premiums outstanding Dec. 31, 1895, 
Same not collected, 



1894,267 43 
4,410 59 



Net collected, |889,856 84 

Premiums on risks written or renewed, . . 7,080,467 91 



Total, 

Premiums now in course of collection. 



17,970,824 75 
992,767 29 



Entire premiums collected, .... |6,977,557 46 
Less reinsurance and return premiums, . . 1,606,870 93 

Net cash fire premiums received, . . . $5,370,686 63 

Interest received on mortgages, 151,969 19 

Interest and dividends received from all other sources, . . 107,000 96 

Income from rents, 57,058 29 

Deposits received for perpetual fire risks, . $9,027 96 

Gross cash income, $5,686,714 97 



Expenditures. 

Cash paid for fire losses, (3,272,398 60 

Deduct salvage and reinsurance, . . 410,081 86 

Net cash paid for fire losses, .... $2,862,817 24 



Cash paid for commissions and brokerage, . . . . 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 

Deposits returned on perpetual fire risks, . $10,797 73 



935,876 99 
820,629 88 
114,840 19 
326,199 26 



Gross cash expenditures, $4,558,363 56 



LONDON ASSURANCE COBPOBATION. 



409 



Risks and Premiums. 

Premlomt. 

Fire risks oatBtanding Dec. 31, 1895, . $902,503,856 00 $8,460,567 12 
Fire risks written during 1896, . 725,575,802 00 7,080,467 91 



ToUl, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 

Net amomit in force, . 



$1,628,079,158 00 $15,541,035 03 
712,472,269 00 7,817,598 24 



$915,606,889 00 $8,223,436 79 
76,786,345 00 588,828 09 



. $838,820,544 00 $7,634,608 70 



Perpetual risks in force (not incPd abo7e), $10,268,250 00 $348,014 68 



MiSOBLLANEOUS. 

Fire losses incurred during the year. 



$2,745,442 00 



UNITED STATES BRANCH OF THE "LONDON ASSURANCE 

CORPORATION,'^ LONDON. 

[FIBB BRANCH.] 

DspoaiT Oafttal, $200,000. 

CHA8. L. OABB, Be^ident Manager. 

Office, New York, 



Detailed Statement of Stocks 



United States bonds, .... 
Baltimore Belt Railroad bonds, 
Central Railroad of New Jersey bonds, . 
Chicago, Milwaukee & St. Paal R.R. bonds, 
Milwaukee & St. Paul Railroad bonds, . 
Chicago, St. Louis & New Orleans R.R. loan, 
Colorado Midland Railway Co. bonds, . 
Denver & Rio Grande bonds, . 

£rie Railway bonds, 

Lehigh VaUey Railway Co. bonds, . 

I^ng Island Railroad bonds, . 

Ix>aisville & Nashville Railroad bonds, . 

Milwaokee, Lake Shore & Western R.R. bonds 

Philadelphia & Reading Railroad bonds, 

Pitts., Cinn., Chicago & St Louis bonds, 

St. Paal, Minneapolis & Manitoba R.R. bonds. 



and Bonds. 

Par Vmloe. 

$661,000 00 
16,000 00 
40,000 00 
60,000 00 
50,000 00 
8,000 00 
35,000 00 
30,000 00 
60,000 00 
30,000 00 
46,000 00 
25,000 00 
25,000 00 
16,000 00 
25,000 00 
66,000 00 



Market Yalne. 

1731,026 26 
14,720 00 
47,200 00 
66,437 60 
64,260 00 
9,400 00 
24,325 00 
27,076 00 
69,000 00 
30,600 00 
63,100 00 
29,600 00 
32,600 00 
12,262 60 
27,000 00 
66,660 00 



410 



LONDON ASSURANCE OOKPORATION. 



Scioto Valley & New England R.R. bonds, 
City of Richmond (Va.) bonds, 
Carthage, WatertVn & Sacketts Har. R.R. bMs, 
United States Mortgage & Trust Co. bonds, . 



ParValB*. 

130,000 00 
60,000 00 
33,000 00 
85,000 00 



MaitftValOB. 

124,300 00 
50,000 00 
33,660 00 
35,000 00 



11,308,000 00 $1,438,006 25 



SUHMART OF ASSETS DeC. 31, 1896. 

Loans on mortgage of real estate (first liens *), 928,000 00 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 

in hands of agent, .... 

deposited in bank, .... 

Premiums in course of collection (gross), 

Gross assets, 



1,438,006 25 

2,044 78 

309 95 

99,436 47 

182,622 53 



$1,700318 9^ 



Unadmitted, 



Special deposits in other States, 

Real estate mortgages, 

Cash not in control of trustees, 



$245,471 87 

28,000 00 

7,088 21 



280,510 08 



Balance, $1,419,808 90 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted. 



Total amount of losses, 
Less reinsurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies. 
Commissions and brokerage, . 
Reinsurance, 



Gross liabilities, except capital. 
Deduct liability on special deposits. 

Surplus as regards policy holders. 
Deposit capital. 



Surplus over capital, . 



Toul value of property mortgaged, 
Amount of iDsaranoe held as ooUateral, 



114,244 83 
40,662 50 
11,275 00 

166,181 83 
6,672 53 

160,509 SO 

771,219 13 

174 80 

22,379 03 

1,688 28 

1865,970 54 
58,570 50 



802.400 04 

$617,408 86 
200,000 00 



$417,408 86 



$66,000 00 
90,000 00 



LONDON ASSURANCE CORPORATION. 411 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected, 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 
Interest received on mortgages. 



1916,748 69 

676 00 
Interest and dividends received from all other sources, . . 66,671 19 



(127,242 84 
1,121,422 87 

(1,248,666 71 
182,622 63 

(1,116,143 18 
199,394 69 



Grosa cash income, (973,094 78 



Expenditures. 

Cash paid for fire losses, (460,820 13 

Dednct salvage and reinsurance, . . . 36,034 34 

Net cash paid for fire losses, .... 1424,786 79 

Cash paid for commissions and brokerage, .... 174,19326 

for salaries of officers and employees, . . . 76,676 96 

for State and local taxes, - 23,714 14 

for incidentals 69,493 21 



Gross cash expenditures, $768,763 36 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1896, . (174,697,160 00 (1,676,019 39 
Fire risks written during 1896, . . 126,287,161 00 1,121,422 87 



Total, (300,984,311 00 (2,697.442 26 

Deduct risks expired and terminated, . 118,024,636 00 1,094,69104 



In force at end of year, .... (182,969,77600(1,602,86122 
Deduct amount reinsured, . . . 11,692,076 00 76»603 24 



Net amount in force, (171,267,700 00(1,627,247 98 

Perpetual risks in force (included above), (11,200 00 (184 00 

Miscellaneous. 
Fire losses incurred during the year, (402,400 00 



412 



LONDON ASSURANCE GORPOBATION. 



united states branch of the "london assurance 

corporation;' London. 

[MARINE BRANCH.] 

DiPOtiT Capital, $800,000. 

WM. W. TRAVBLL, AUarney, 

Office, New York, N. Y. 



Detailed Statement of Stocks 

New York city water stock, .... 

Boston city bonds, 

Brooklyn city bonds, 

New York city bonds, 

Cleveland, Cincinnati, Chicago & St. Louis bMs, 
Chicago & Erie Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 



AND Bonds. 

Par Valae. 

f 100,000 00 
100,000 00 
100,000 00 
10,000 00 
60,000 00 
60,000 00 
60,000 00 



Market TilM. 

198,750 00 
102,000 00 
94,000 00 
9,860 00 
44,260 00 
65,000 00 
64,000 QQ 



Summary of Assets Dec. 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, . . ^ . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 

Reinsurance due, 

Gross assets, 



(460,000 00 |457«860 00 

31, 1896. 

1467,860 00 

186 83 

71*308 49 

6,889 69 

87,959 02 

19,264 66 

13,882 02 

1666,840 00 



Unadmitted, 
Cash not in control of trustees, . 

Premiums in excess of unearned, . . 



9186 83 
76,382 61 



76,568 94 



Balance, 9580,771 06 



Total amount of losses. 
Less reinsurance. 



LlABILITIBS. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Commissions and brokerage, . 
Return premiums and reinsurance, . . 
Reinsurance disallowed, .... 
Gross liabilities, except capital. 



$102,418 26 
12,690 70 

989327 66 

31,840 96 

6,385 01 

6,061 94 

11,214 29 



Surplus as regards policy holders, 
Deposit capita]. 



148,829 76 

9487,441 80 
800,000 00 



Surplus over capital. 



9187,441 30 



IX>NDON A88UBANGE CORPORATION. 41$ 



Income. 

Marine premiums outstanding Dec. 81, 1895, . $120,267 21 
Premiums on risks written or renewed, . . 452,802 84 



Total #573,069 55 

Premiums now in coarse of collection, . . 107,228 57 



Entire premiums collected, .... |465,845 98 
Less reinsurance and return premiums, . . 115,090 47 

Xet cash marine premiums received, . . $850,756 51 

Interest and dividends received from all sources, . . . 17,995 62' 



Gross cash income, (868,751 IS^ 



ExPEMDrruRES. 

Cash paid for marine and inland losses, . . $804 ,334 56 
Deduct salvage and reinsurance, . 58,862 02 

Net cash paid for marine and inland losses, . (245,472 54 

Cash paid for commissions and brokerage, .... 34,958 30 
for salaries of officers and employees, . . 13,614 77 

for State and local taxes, 9,020 40 

for incidentals, 22,840 60 

Remitted to home office, $89,405 40 

Gross cash expenditures, $825,406 61 



Risks and Premiums. 

Premlumi. 

Marine risks outstanding Dec. 81, 1895, . . $4,230,098 00 $92,170 85 

Marine risks written during 1896, . . . 98,478,853 00 452,802 34 

Total, $102,708,951 00 $544,973 19 

Deduct risks expired and terminated, . . 99,495,432 00 508,096 69 

In force at end of year, $8,218,519 00 (36,876 50 

Deduct amount reinsured, .... 865,644 00 5,035 54 

Net amount in force, $2,847,875 00 $81,840 96 



Miscellaneous. 
Marine and inland losses incurred during the year, . . $228,450 00 



414 



LONDON AND LANOASHIBE FIRE INSURANCE GO. 



UNITED STATES BRANCH OF THE " LONDON AND LANCASHIRE 
FIRE INSURANCE COMPANY," LIVERPOOL, ENGLAND. 

DsFosxT Capital, $100,000. 
ARCHIBALD Q, MoILWAINB, Jb., Manager, 

Office, New York, N, T. 



Detailed Statement of Stocks 



'New York City bonds, 
tJnited States registered bonds, 
City of Richmond bonds, . 
Baltimore & Ohio Railroad bonds, 
Baltimore Belt Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 
Cincinnati, Dayton & Ironton bonds, 
Beech Creek Railroad bonds, . 
Flint & P^re Marquette bonds, 
Chicago & Northwestern Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds. 
Central Railroad of New Jersey bonds, . 
Cin., Ind., St. Louis & Chicago R.R. bonds, 
Delaware & Hudson Railroad Company bonds. 
Lake Shore & Michigan Southern R.R. bonds, 
New York Central & Hudson Riyer R.R. bonds. 
New York & Harlem River Railroad bonds, 
New York, Chicago & St. Louis R.R. bonds, 
New York, Ontario & Western bonds, 
St. Paul, Minneapolis & Manitoba bonds, 
Chicago, Mil. & St. Paul Railroad bonds. 
Central Ohio Railroad bonds, . 
State of Georgia bonds, .... 
Milwaukee Underwriters^ Association stock. 
West Shore Railroad Company bonds, . 
Lake Erie & Western Railroad bonds, . 
.Lehigh Valley Railroad bonds, 
Milwaukee, Lake Shore & Western bonds. 



AND Bonds. 

Par Valoe. 

1120,000 00 

322,600 00 
60,000 00 

100,000 00 
25,000 00 
60,000 00 
20,(;00 00 
27,000 00 
26,000 00 

100,000 00 
90,000 00 
66,000 00 

100,000 00 
26,000 00 
92,000 00 
76,000 00 
60,000 00 
60,000 00 
20,000 00 
60,000 00 
20,000 00 
60,000 00 
26,000 00 
83 00 
80,000 00 
60,000 00 
26,000 00 
60,000 00 



UMfcetTaioe. 

$120,600 00 

382,262 00 

60,000 00 

100,000 00 

22,818 00 

63,600 00 

21,000 00 

28,860 00 

20313 00 

116,500 00 

117,450 00 

75,287 00 

96,000 00 

36,000 00 

102310 00 

89,812 00 
56,626 00 
61,600 00 
21,500 00 
51,125 00 
22,460 00 
49,00000 
29,460 00 
88 00 
84,400 00 
68,760 00 
25.000 00 
66,000 00 



$1,756,583 00 $1,937,080 00 



Summary of Assets Dec 

Cash value of unencumbered real estate. 
Stocks and bonds, as per schedule, . 
-Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross). 



31, 1896. 

$299,125 00 

1,987,030 00 

25,851 61 

167,017 65 

500 00 

292,486 21 



LONDON AND LANCASHIRE FIBE INSX7RANGE CO. 



415 



Notes taken for fire risks, .... 

Rents due and accrued, 

Reinsurance, 

Prem's more than three mos. due, $11,542 41 
Gross assets, 



17.400 73 

7,091 57 

111 14 



$2,726,613 74 



UnadmiUed, 



Special deposits in other States, 
Cash not in control of trustees, 



$259,262 00 
182,869 09 



442,131 09 



Balance, (2,284,482 65 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 



Total amount of losses. 
Less reinsurance. 



Net amount of nnpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 
Return premiums, reinsurance, etc., . 
Reinsurance disallowed, . 



Gross liabilities, except capital, . 
Deduct liability on special deposits. 



Surplus as regards policy holders. 
Deposit capital. 



Surplus over capital. 



$37,464 66 
58,197 00 
41,045 40 

$136,707 06 
7,465 00 

$129,242 06 

1,477,471 93 

50,826 59 

46,810 75 

89,086 88 

(1,743,438 21 
114,224 94 



1,629,213 27 

$655,269 38 
200.000 00 

$455,269 38 



Income. 

Fire premiums outstanding Dec. 81, 1895, 
Same not collected, 



Net collected, 

Premiums on risks written or renewed, . 

xoiai, * . . • • . . 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash fire premiums received, . . . - 

Interest and dividends received from all sources. 

Income from rents, 



. $319,625 30 
216 31 

. 1319,408 99 
. 2,306,102 99 

. $2,625,511 98 
311,429 35 

. $2,314,082 63 
563,586 32 



$1,750,496 31 

88,349 90 

6,629 63 



Gross cash Income, $1,845,475 84 



416 



MAODEBUBO FIRE IN8XJRAN0E CO. 



£XPBKD1TURBS. 

Gash paid for fire losses, 

Deduct salvage and reinsarance. 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 



$994,273 64 
143,846 68 



$850,927 06 

337,826 29 

138,241 97 

43,460 80 

107,397 02 



Gross cash expenditm-es, $1,477«853 U 



Risks and Prekiuhs. 

PipcibIiibv 

Fire risks outstanding Dec. 31, 1895, . $381,257,498 00 $3,109,679 38 
Fire risks written during 1896, . 275,483,530 00 2,306,102 99 



Total, 

Deduet risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured. 

Net amount in force, . 



$656,741,028 00 $5,415,782 37 
264^98,289 00 2,811,691 92 



$392,142,789 00 $3,104,090 45 
21,227,847 00 214,088 72 



$370,914,942 00 $2,890,001 73 



Miscellaneous. 
Fire losses incurred during the year, $845,267 00 



UNITED STATES BRANCH OF THE " MAGDEBURG FIRE INSUR- 
ANCE COMPANY," MAGDEBURG, GERMANY. 

Dsposrr Capital, $200,000. 

P. B. BA80R, Manager. 

Office^ Hartford^ Conn, 
Detailed Statement of Stocks and Bonds. 

Par Valne. Market Valw. 

United States bonds, $550,000 00 $606,875 00 

Summart of Assets Dec. 81, 1896. 

Stocks and bonds, as per schednle, . . . $606,375 00 
Cash in the office of the company, . . . 21,395 79 

Cash deposited in bank, 16,696 38 

Interest dne and accrued, 500 00 

Premiums in coprse of collection (gross), . 42,918 86 

Gross assets, $687,886 (& 



HAODEBUBG FIRE INSUBANCE OO. 417 



Unadmiited. 

Special deposits in other States, . . . t^5,125 00 

Cash not in control of trustees, . . • 88,092 17 

$93,217 17 



Balance, $594,668 86 

Liabilities. 

Losses claimed and reported, .... $2,425 00 

Losses disputed or resisted, . . . . 5,416 75 

Unearned premiums on outstanding risks, . 77,968 22 

Due and accrued for rent, salaries, etc., . . 4,000 00 

Commissions and brokerage, .... 4,749 85 

Reinsurance disallowed, 190 00 

Gross liabilities, except capital, • . $94,744 32 

Deduct liability on special deposits, . . 5,185 14 

89,559 18 

Surplus as regards policy holders, $505,109 68 

Deposit capital, 200,000 00 

Surplus oyer capital, . $305,109 68 

Income. 

Fire premiums outstanding Dec. 31, 1895, . $18,220 65 
Premiums on risks written or renewed, . . 135,046 73 

Total, $153,267 38 

Premiums now in course of collection, . . 42,918 86 

Entire premiums collected, .... $110,348 52 
Less reinsurance and return premiums, . . 22,022 06 

Xet cash fire premiums received, . . . $88,326 46 

Interest and dividends received from all sources, . . • 15,000 00 
Remittance from home office, .... $37,139 49 

Gross cash income, $103,326 46 

Expenditures. 

Cash paid for fire losses, $66,708 20 

for commissions and brokerage, .... 29,072 52 

for salaries of officers and employees, . . . 4,252 15 

for State and local taxes, 2,751 05 

for incidentals, 10,150 62 

Remittance to home office, .... $2,038 90 

Gross cash expenditures, $112,934 54 



418 



MANCHESTER FIBE ASSURANCE CO. 



Risks and Premiums. 



Fire risks outstanding Dec. 81, 1895, 
Fire risks written during 1896, 

Total, 

Deduct risks expired and terminated, 



In force at end of year, . 
Deduct amount reinsured. 



Net amount in force, . 



. •13339,813 00 
. 11,373,045 00 



$157,904 70 
135,046 73 



.•25,212,858 00 $292,951 43 
. 12,384,738 00 135,159 C»9 



$12,878,120 00 $157,792 34 
357,135 00 4,377 40 



. $12,520,985 00 $153,414 94 



Miscellanbous. 
Fire losses incurred during the year. 



$45,905 00 



UNITED STATES BRANCH OF THE "MANCHESTER FIRE AS- 
SURANCE COMPANY," MANCHESTER, ENGLAND. 

Deposit Capital, $200,000. 
OEO. W. WBNSLBT, Manager. 

Office, New York, N. T. 



Detailed Statement of Stocks 



United States bonds, . 
City of New York stock, . 
Portland, Oregon, water bonda 
City of Brooklyn bonds, . 
City of Newark water bonds. 
District of Columbia bonds, 
Atchison, Topeka & Santa F6 Railroad bonds, 
Atlanta & Charlotte Air Line Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Beech Creek Railroad bonds, . 
Burlington, Cedar Rap^s & Northern R.R. bMs, 
Central Railroad of New Jersey bonds, . 
Chesapeake & Ohio Railroad bonds, 
^ Chicago & Eastern Illinois Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago, St Louis & New Orleans R.R. bonds, 
Chicago & Western Indiana R.R. bonds, 
Cincinnati, Indiana, St. Louis & Chic. R R. bMa 
Illinois Central Railroad bonds, 
Knoxville & Ohio Railroad bonds, . 
Lake Erie & Western Railroad bonds, 
Lehigh Valley Railroad bonds, 



AND Bonds. 

Pu- Vftloe. 

$427,000 00 
200.000 00 
60,000 00 
200,000 00 
60,000 00 
20,000 00 
18,600 00 
14,000 00 
79,000 00 
76,000 00 
40,000 00 
' 65,000 00 
26.000 00 
27,000 00 
61,000 00 
26,000 00 
80,000 00 
10,000 00 
16,000 00 
16,000 00 
13,000 00 
26,000 00 



lUifcKTtlse. 

$476,105 00 
202.000 0} 
67,125 00 
200,000 00 
64,000 00 
21.600 00 
12,165 00 
16,520 00 
74.260 00 
79,125 00 
41,000 00 
64.900 00 
27,000 0^ 
33,210 00 
68.522 50 
29,750 00 
98.600 00 
9.700 do 
17,120 00 
17,187 50 
16,275 00 
26,500 00 



MANCHESTER FIRE ASSURANCE CO. 



419 



Northern Pacific Railroad bonds, 
PenDsylYania Railroad bonds, . 
St Paul, Minneapolis & Manitoba R.R. bonds, 
West Shore Railroad bonds, . 
Wheeling & Lake Erie Railroad bonds, . 



Par Yalne. 
•14,000 00 
75,000 00 
25,000 00 
25,000 00 
80,000 00 



Market Valnc. 

116,100 00 
81,250 00 
26,000 00 
26,500 00 
27,000 00 



♦1,684,500 00 11,802,445 00 



SUMMART OF ASSETS DeO. 31, 1896. 

Stocks and bonds, as per sehedale, . . . 11*802,445 00 

Cash in the office of the company, '. . . 6,520 29 

Cash deposited in bank, 87,081 52 

Premiums in coarse of collection (gross), . 278,754 25 

Reinsurance due, 8,358 20 

Gross assets, 



12,178,154 26 



Unadmitted 



Special deposits in other States, 
Cash not in control of trustees, 



•252,250 00 
98,601 81 



345,851 81 



Balance, 



. 11327,302 45 



Liabilities 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted. 



Total amount of losses. 
Less reinsurance. 



!7ot amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Commissions and brokerage, . 
Due to special agents, 
ReiDtfanuce disallowed, . 



Gross liabilities, except capital. 
Deduct liability on special deposits, 



Surplus as regards policy holders, . 
Deposit capital, 



151,623 88 
60,214 05 
59,044 05 

•170,881 98 
16,117 94 

•154.764 04 

1,076,225 56 

47,752 48 

1,228 89 

4,389 08 

•1,284,359 50 
87,909 22 



1,196,450 28 



. •630,852 17 
200,000 00 



Surplus over capital, . 



. ^430,852 17 



BUKCHBSTEB FIEB ASSCRANCB CO. 



Fire premiums outstanding Dec. 31, 1895, 
Fremiums on risks written or renewed, 



Entire premiuma collected. 

Less reinsurance and return premiums. 

Net cash fire premiums received, . 

Interest and dividends received from all sources, . 



1297,072 00 
1,868,647 68 



, 11,881,866 33 
497,051 16 



- 11,384,814 16 

66,836 30 



Gross casb iacome, tl,460,6J 



ExPBKDrtDKBS. 

Cash psid for fire losaea |965,761 18 

Deduct salvage and reinsurance, . . . 88,09S 05 

Net cash paid for fire losses |877,669 13 

Cash paid for commissions and brokerage 266,704 74 

for Bftlaries of officers and employees, ■ . . 98,567 61 

for State and local taxes 43,633 34 

for incidentals 102,108 76 

Remitted to home office 156,974 41 



Gross cash expenditures, (1,388,573 67 



Fire risks outstanding Dec. 31, 1) 
Fire risks written during 1896, 



Total 

Deduct risks expired and terminated. 



In force at end of year, . 
Deduct amount reinsured. 



1194,171,234 49 12,475,096 93 
162,411,747 09 1,858,547 68 



•346,682,981 68 $4,333,644 51 
166,547,031 91 2,004,268 28 



1191,036,949 67 12,329,376 23 
10,953,935 19 160361 90 



Net amount in force, . 



1180,082,014 48 12,169,024 33 



MlSOELLAtfEOCS. 

Fire losses incurred during the year, 1827,699 00 



MANNHEIM INf 

ED STATES BRANCH OF T 
COMPANY," MANN 

Dtroin CiKi 

JAB. JOaNSTOHX BII. 

Office, New 
Detailed Statehent o 

I States bonds, .... 
fork City stock, 



SnHHAHT or AS8E 

tion (groi 
DiaDd risk 



aries, etc. 



capital, 
dera, . 



422 MARINE INSURANCE CO. (LIMITED). 

Income. 
Marine prcroiums outstanding Dec. 31, 1895, . $87,145 75 
Same not collected, 861 10 

Net collected, f 36,784 65 

Premiums on risks written or renewed, . . 235,386 50 

Total f272,12l 15 

Premiums now in course of collection, • . 35,229 45 

Entire premiums collected, .... |236,891 70 
Less reinsurance and return premiums, . . 23,991 06 
Net cash marine premiums received, . |212,900 64 

Received from home office, . 121,531 65 

... ^_^_^^^^^^_^_^^^ 

Gross cash income, $212,900 64 

Expenditures. 
Cash paid for marine and inland losses, . . $218,531 87 
Deduct salvage and reinsurance, . . . 15,446 44 

Net cash paid for marine and inland losses, . $198,084 93 

Cash paid for commissions and brokerage, .... 16,141 96 
for salaries of officers and employees, . . • 12,546 00 

for State and local taxes, 4,744 00 

for rent and incidentals, 8,278 SO 

Gross cash expenditures, $289,795 U9 

Risks and I^KEMIDMS. Pnahims. 

Marine risks outstanding Dec. 31, 1895, . . $2,231,156 00 $69,002 49 
Marine risks written during 1896, . . . 52,254,735 00 235,886 50 

Total $54,485,89100 $304,888 99 

Deduct risks expired and terminated, . . 52,606,761 00 238,783 04 

In force at end of year, $1,879,130 00 $65,555 95 

Miscellaneous. 
Marine and inland losses incurred during the year, . . $181,592 00 



UNITED STATES BRANCH OF THE "MARINE INSURANCE 
COMPANY" (LIMITED), LONDON, ENGLAND. 

DxposiT Capital, 1800,000. 

PXRCT CHUBB, Bstident Manager. 

Office^ New Torh City, 
Detailed Statement of Stocks and Bonds. 

PKrValoe. MutatTftlM. 

United States bonds, f 100,000 00 •111,000 (^O 

New York city bonds, 300,000 00 800,000 00 

Pennsylvania Railroad bonds, .... 60,000 00 60,000 00 

N. Y. Central & Hudson River R.R. bonds, . 26,000 00 26,000 00 



•476,000 00 ^496,000 00 



MARINE INSURANCE CO. (LIMITED). 423 



SCHMART OF ASSETS DeC. 31, 1896. 

Stocks and bonds, as per schedule, . . . f 496,000 00 

Cash Id the office of the company, ... 15 05 

Cash deposited in bank, 12,011 37 

Premiums in course of collection (gross), . 70,477 61 

Kotes taken for marine and inland risks, . 19,578 71 

Reinsurance due, 9,342 22 

Gross assets, $607,424 96 

Urmdmiiled, 

Special deposits in other States, . . . $111,000 00 

Cash not in control of trustees, . . . 12,026 42 

Premiums in course of collection in excess of 

unearned premiums, 34,363 00 

157,389 42 

Balance, $450,035 54 

Liabilities. 

Losses adjusted, unpaid, $30,660 00 

Unearned premiums on outstanding risks, . 55,693 32 

State and local taxes, 4,000 00 

Commissions and brokerage, .... 4,453 13 

Reinsurance, . . . . . . . 27,341 10 

Reinsurance disallowed, 4,529 45 



Gross liabilities, except capital, . . $126,677 00 
Deduct liability on special deposits, . . 2,895 06 



123,781 94 



Surplus as regards policy holders, $326,253 60 

Deposit capital, 300,000 00 

Surplus over capital, $26,253 60 



Income. 

Marine premiums outstanding Dec. 31, 1895, 
Premiums on risks wntten or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash marine premiums received. 



$87,260 76 
340,940 18 

$428,200 94 
90.056 32 

$338,144 62 
96,300 19 



$241,844 43 

Interest and dividends received from all sources, • . . 10,052 90 



Gross cash income, $251,897 33 



424 



NATIONAL AS8UBANCE CX>. 



EXPEKBITUBES. 

Cash paid for mariDe and inland losses, . 
Deduct salvage and reinsurance. 
Net cash paid for marine and inland losses, . 
Cash paid for commissions and brokerage, 

for salaries and incidentals, . 

for State and local taxes, 
Bemltted to home office, 



•163,804 37 
24,203 19 



186,294 72 



•139,601 18 

25,690 65 

6,934 29 

8,685 40 



Gross cash expenditm:«s, f 175,911 52 



Risks and PHEioxrMS. 



Marine risks outstanding Dec. 31, 1895, 
Marine risks written during 1896, . 



Total,. ..... 

Deduct risks expired and terminated. 

In force at end of year, • 
Deduct amount reinsured. 

Net amount in force, . . ' . 



•26,613369 00 
235,619,905 00 



PreniloinB* 

•50,061 69 
840,940 18 



•262,283,774 00 $391,001 87 
229,067,142 00 380,607 34 



•33,166,632 00 160,491 53 
2,754,681 00 4^1 21 



•30,411,951 00 ^bbfin 32 



MiSCELLAKVOUS. 

Marine and inland losses incurred during the year. 



•140,886 00 



UNITED STATES BRANCH OF THE "NATIONAL ASSURANCE 

COMPANIV IRELAND. 

Dbfcmit Capttai^ 9200,000. 

QILBBRT PALACHK, Managtr, 

Office^ San Francisco^ Cal. 



Detailed Statekent of Stocks and Bonds. 

rtrVftliM. 

(120,000 00 
20,000 00 
15,000 00 
15,000 00 
20.000 00 
10,000 00 



Boston city bonds, .... 
Boston & Maine Railroad bond, 
150 shares Fitchburg Railroad stock, 
Lynn city bond, .... 
Old Colony Railroad bonds, . 
Reading (Pa.) city bonds. 



Market Vatae. 

f 126,200 00 
20,900 00 
13,725 00 
16,450 00 
20,100 00 
10,450 00 



•200,000 00 12063^ 00 



NORTH BRITISH AND MERCANTILE INSURANCE CO. 



425 



Summary of Assets Dec. 31, 1896. 

Stocks and bonds, as per schedule, . . . $206325 00 

Gross assets, $206,825 00 

LlABIUTIES. 

Losses dispoted or resisted, .... 1 1,800 00 
Unearned premiums on outstanding risks, • 99 88 

Gross liabilities, except capital, . . 1,899 88 

Surplus as regards policy holders, $204,925 12 

Deposit capital, 200,000 00 

Surplus oyer capital, $4,925 12 

Expenditures. 

Cash paid for fire losses, $1,293 52 

Cash paid for license and fees, 24 00 

Gross cash expenditures, . $1,317 52 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31,1895,. . . $679,009 00 $12,759 38 
Deduct risks expired and terminated, . . 600,62100 12,129 48 

In force at end of year, $78,388 00 $629 90 

Miscellaneous. 
Fire losses incurred during the year, $1,257 00 



UNITED STATES BRANCH OF THE "NORTH BRITISH AND 
MERCANTH.E INSURANCE COMPANY," LONDON AND EDIN- 
BURGH. 

DBPosrr Capital, $200,000. 

HENB7 S. BOWERS, Manaff€r. 

Office, New York, N. Y. 



Detailed Statement of Stocks 



United States bonds, .... 
N. Y. Central & Hudson River R.R. bonds, 
West Shore Railroad bonds, . 
New York, Lackawanna & W. R.R. bonds, 
Manhattan Railway Co. bonds, 
Delaware & Hudson Canal Co. bonds, 
St Paul & Northern Pacific Railroad bonds, 
Chicago & Northwestern Railroad bonds, 



AND Bonds. 

Par Value. 

1945,000 00 

500,000 00 

400,000 00 

100,000 00 

60,000 00 

61,000 00 

50,000 00 

156,000 00 



Market Valna. 
f 1,058,108 00 

582,500 00 

416,000 00 

133,000 00 

56,400 00 

86,020 00 

59,000 00 

217,068 00 



426 



NORTH BRITISH AND MEROANTILE INSUBANOE CX>. 



Baltimore & Ohio Railroad bonds, . 

City of Boston, Mass., bonds, . 

City of Providence, R.I., bonds, 

City of St. Louis, Mo., coupons, • , ■ 

New York County stock, . 

New York City stock. 

City of Brooklyn, N. Y., bonds, 

Massachusetts metropolitan water loan, 

Alabama Class **A^' coupon bonds, . 

Virginia century bonds, . 

Virginia deferred certificates, . 

Milwaukee Underwriters* BUd^ng Asso'n stock, 



Pat YAlne. 

1200,000 00 

116.000 00 

187,000 00 

64,952 66 

22,000 00 

16,000 00 

80,000 00 

60,000 00 

10,000 00 

41,100 00 

18.666 67 

181 00 



Market Tilae. 
1180,000 00 

124,225 00 

210342 00 

56,925 00 

26,620 00 

17,100 00 

80,900 00 

54,250 00 

10,250 00 

24,660 00 

1,120 00 

18100 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, . . . . 
Premiums in course of collection (gross). 
Bills receivable taken for fire risks. 

Reinsurance due, 

Deposits with boards and exchanges, 

Prem^s more than three mos. due, 1^^341 24 

Gross assets, 



f3,016,900 82 $3,840,169 00 

31, 1896. 

•8,840,169 00 

22,810 88 

252,345 18 

65,646 00 

887,610 81 

2,780 36 

389 97 

1,250 00 



14,062,901 65 



Unadmitted. 



Special deposits, . . 

Cash not in control of trustees. 

United States bonds, . 

Bills receivable, 

Milwaukee Underwriters* stock. 

Miscellaneous deposits, . 



f 24 1,367 00 

276,155 51 

30,000 00 

2,780 86 

181 00 

1,250 00 



650,728 87 



Balance, $3,512,177 78 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted. 

Total amount of losses, . 
Less reinsurance. 

Net amount of unpaid losses. 
Unearned premiums on outstanding risks. 
Balance to credit of special agents, etc.. 
State and local taxes and other items, 



$51,881 82 

136,270 78 

31,991 24 

$220,098 29 
12.857 20 

$207,236 09 

1,893,154 59 

8,890 65 

10,981 26 



NORTH BRITISH AND MERCANTILE INSURANCE CO. 427 



Commissions and brokerage. 
Reinsurance disallowed, . 



Gross liabilities, except capital. 
Deduct liability on special deposits. 



Surplus as regards policy holders; 
Deposit capital, .... 



Surplus over capital, . 



166,908 66 
1,516 98 

•2,188,683 13 
171,340 17 



12,017,342 96 

11,494,881 82 
200.000 00 



. 11,294,834 82 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed. 



Total, 

Premiums now in course of collection, 



Entire premiums collected. 

Less reinsurance and return premiums. 

Net cash fire premiums receired. 

Interest and dividends received from all sources, . 



1445^40 73 
2,897,528 62 

f 3,343,069 35 
413,452 05 

12,929,617 30 
583,999 41 



f 2,845,617 89 
159,651 76 



Gross cash income, 12,505,269 65 

Expenditures. 

Cash paid for fire losses, •1,375,783 42 

Deduct salvage and reinsurance, . . . 67,957 64 

f 1,307,825 78 

. 396,455 57 

208,454 57 

57,673 16 

99,952 76 



Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 



Gross cash expenditures, 92,070,861 84 



Hre risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Risks and Premiums. 

Pramtami. 

•368,998,285 00 f 3^87,955 20 
276,616,925 00 2,897,528 62 



Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, • 
Deduct amount reinsured, 

Net amount in force, . 



•645,615,210 00 16,785,483 82 
269,677,108 00 2,838,469 06 



•875,938,042 00 93,947,014 76 
26^64,168 00 206,644 65 



•349,773.874 00 f 3,740,370 11 



Miscellaneous. 

Fire losses incurred during the year, . . . 



•1,268,146 00 



428 



NORTHERN ASSURANCE CO. 



UNITED STATES BRANCH OF THE "NORTHERN ASSURANCE 

COMPANY," LONDON, ENGLAND. 

DspOBiT Capital, $200,000. 
GEO. W. BABB, Je., Manager* 



Detailed Statement of Stocks and Bonds. 



United States bonds, . 

Salem, Oregon, city bonds. 

New York city water stock, 

Boston city bonds, . 

St. Louis city bonds, . 

St. Paul city bonds, . 

Minneapolis city bonds, . 

Massachusetts State bonds, 

Pennsylvania Railroad bonds, 

West Shore Railroad bonds, 

Chicago city bonds, . 

Omaha city bonds, . 

Chicago, St. Louis & New Orleans R.R, 

Chicago, Rock Island & Pacific Railroad 

Chicago, Milwaukee & St. Paul R'y, 



Par Value. 

^5,000 00 
40,000 00 

200,000 00 

139,600 00 
40,000 00 
60,000 00 

100,000 00 
26,000 00 

100,000 00 
60,000 00 
60,000 00 

100,000 00 
60,000 00 

100,000 00 
60,000 00 



Market Valoc 

•426,425 00 
40,460 00 

202,000 00 

147,870 00 
42,350 00 
66,000 00 

106,500 00 
26,875 00 

102,000 00 
58,625 00 
62,000 00 

107,000 00 
49,000 00 

107,125 00 
67,250 00 



11,479,600 00 tM84,480 00 



Summary of Assets Dec. 31, 1896. 



Cash value of unencumbered real estate, 
Stocks and bonds, as jier schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Bills receivable, etc., .... 
Prem^s more than three mos. due, 1 4,280 46 
Gross assets, 



tll6,000 00 

1«684,480 00 

6,406 76 

82,632 37 

3,860 00 

214,468 08 

8,336 97 



•2,009,172 18 



Unadmitted^ 



Speciaf deposits in other States, 
Cash not in control of trustees, 
Bills receivable, etc.. 



•244,886 00 

88,038 13 

3,336 97 



336,259 10 



Balance •1,672,913 



NORTHERN ASSURANCE CO. 



429 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted. 



Total amount of losses, 
Less reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, reinsurance, etc.. 

Gross liabilities, except capital. 
Deduct liability on special deposits. 



Surplus as regards policy holders, 
Deposit capital, . • . • 



Surplus over capital. 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Same not collected, 



119,606 60 
47,793 07 
21,236 00 

188,635 67 
4,919 89 

183,715 78 

1,018,913 98 

2,309 48 

27,778 44 

34,612 64 

11,167,330 27 
111,330 83 



•1,055,999 44 

•616,913 64 
200,000 00 

•416,913 64 



•220,380 84 
1,411 86 



Net collected, 1218,968 98 

Premiums on risks written or renewed, . . 1,597,189 28 



Totol, fl,8I6,158 26 

Premiums now in course of collection, . . 217,836 68 



Entire premiums collected, .... 11,598,821 58 
Less reinsurance and return premiums, . . 462,803 69 

Net cash fire premiums received, . . •1,136,017 89 

Interest and dividends received from all sources, . . . 59,032 50 
Received from home office, .... •81,954 71 



Gross cash income, 91,195,050 39 



Expenditures. 
Cash paid for fire losses, ..... 9752,208 93 
Deduct salvage and reinsurance, . . . 116,706 73 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

for rent and incidentals, ...... 

Remitted to home office, (171,978 07 



•635,502 20 

162,600 98 

80,077 84 

87,866 28 

128,830 66 



Gross cash expenditures, •1,044,377 96 



430 



KORWICH UNION FIRE INSURANCE SOCIETT. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Risks and Premiums. 

Pranhixiii. 

1176,740,576 00 12,091,654 90 
140,624.271 00 1,597,189 2> 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



•816,364,847 00 $3,688,844 18 
136,054,049 00 1,622,104 64 



•180,310,798 00 $2,066,739 M 
4,564,743 00 44,921 68 



•175,746,055 00 $2,021,817 ^ 



Miscellaneous. 

Fire losses incurred during the year. 



•598,073 00 



UNITED STATES BRANCH OF THE "NORWICH UNION FIRE 
INSURANCE SOCIETY," NORWICH, ENGLAND. 

DxppsiT Oapitap, $3(lp,000. 
J. MONTOOMBRY HARB, Be^ident Manager. 

Office, New York, N, T. 



Detailed Statement of Stocks 



United States bonds, 

New York City water loans, . 

New York Central & Hudson Riy. R R bonds 

West Shore Railroad bonds, . 

Pennsylvania Company bonds, 

Chicago, Burlington & Quiney R.R. bonds, 

Chicago, Rock Island & Pacific R^y bonds, 

Lake Shore & Michigan Southern R^y bonds, 

Richmond City, Va., bonds, 

Lehigh & Wilkesbarre Coal Co. bonds, . 

N. Y., Chicago & St. Louis bonds, . 

Butler Co., Ohio, bonds, - . •. . . 

St. Paul, Minneapolis & Manitoba R^y bonds. 

Long Island R.R. bonds, .... 

Cleveland, Lorain & Wheeling R'y bonds, 

Allegheny Valley R'y bonds, . 

United New Jersey R.R. & Canal Co. stock, 

Chicago & Northwestern R'y Co. stock, . 

Rensselaer & Saratoga R.R. stock, . 

St. Paul, Minneapolis & Manitoba R'y stock, 

Pitts., Ft. Wayne & Chicago R'y stock, . 

Chicago, Milwaukee & St. Paul R'y stock, 



AND Bonds. 

F»r Valoe. 

•875,000 00 

200,000 00 

75,000 00 

57,000 00 

150,000 00 

100,000 00 

100,000 00 

118,000 00 

50,000 00 

8.000 00 

100,000 00 

50,000 00 

50,000 00 

20,000 00 

50,000 00 

80,000 OO 

10,000 00 

20,000 00 

17,000 00 

30,000 00 

20,000 00 

20,000 00 



If txt«t Vftlira. 
•414,375 IH) 

206,875 00 
87,656 25 
60,420 00 

165,875 00 
87,750 00 

100,500 00 

140,420 00 

55,250 00 

8,830 00 

100,250 00 
54,375 00 
62,625 00 
15,000 00 
614^50 00 

30,yoooo 

23,950 00 
30,350 00 
80,770 00 
83,900 00 
32,000 00 
26,200 00 



•1,650,000 00 •1,808,521 25 



NORWICH UNION FIBE INSURANCE SOCIETY. 431 



SUMMiLRT OF ASSETS DeC. 31, 1896. 

Loans on mortgTige of real estate (first liens *) , $40,000 00 

Interest dae or accrued thereon, . . . 150 00 

Stocks and bonds, as per schedule, . . . 1,808,521 25 

Cash in the office of the company, . . . 1,233 85 

Cash deposited in bank, 234,319 49 

Premiums in course of collection (gross), • 145,756 64 

Reinsurance due, 17 67 

Preni's more than three mos. due, 1 15,389 33 

Gross assets, f 2,229,998 90 

Unadmitted. 

Special deposits in other States, . . 9228,965 00 

Cash not in control of trustees, . . . 8,833 71 

237,798 71 



Balance, 91,992,200 19 

LlABIXlTIES. 

Losses adjusted, unpaid, 990,482 10 

claimed and reported, .... 50,269 05 
disputed or resisted, .... 8,755 00 



Total amount of losses, 9149,506 15 

Less reinsurance, 5,357 40 



Net amoimt of unpaid losses, .... f^^^^^S 75 

Unearned premiums on outstanding risks, . 1,185,860 18 

Due and accrued for rent, salaries, etc., . . 2,803 40 

Commissions and brokerage, .... 31,878 40 



Gross liabilities, except capital, . . 91,364,690 73 
Deduct liability on special deposits, . . 114,886 11 



1,249,804 62 



Surplus as regards policy holders, 9742,395 57 

Deposit capital, 200,000 00 



Surplus over capital, 9542,395 57 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, t • 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 



9170,165 96 

1,878,101 38 

92,048,267 34 

161,145 97 

91,887,121 87 
374,376 19 
91,512,745 18 



• ToUl TAlne of property mortgaged, $80,000 00 

Amoani of loiuranee held m ooUateral 40,000 00 



432 THE PALATINE INSURANCE CO., LIMITED. 



Interest received on mortgages, $1,800 00 

Interest and dhidends received from all other sources, . . 77,226 26 

Income from appreciation in bonds matured, .... 1,509 6d 
Received from home office, .... $31,468 57 



Gross cash income, $1^93,281 09 

Expenditures. 

Cash paid for fire losses, $932,535 98 

Deduct salvage and reinsurance, . . . 49,079 79 

Net cash paid for fire losses, .... $883,456 19 

Cash paid for commissions and brokerage, .... 259,080 02 
for salaries of officers and employees, . . . 130,345 78 

for State and local taxes, 21,747 9i 

for rent and incidentals, ...... 115,634 29 

Remitted to home office, $126,995 28 



. Gross cash expenditures $1,410,264 22 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, , 
Deduct amount reinsured. 

Net amount in force, . 



PremloBt. 
$233,350,313 00 $2,427,560 76 
176,447,899 00 1,878,101 38 



$409,798,212 00 $4,305,662 14 
173,670,304 00 1,868,900 14 



$236,127,908 00 $2,486,762 00 
8,495,019 00 89385 80 



$227,632,889 00 $2,346,876 20 



Miscellaneous. 
Fire losses incurred during the year, $831,881 00 



UNITED STATES BRANCH OF "THE PALATINE INSURANCE 
COMPANY, LIMITED," OF MANCHESTER, ENGLAND. 

Deposit Oapital, $200,000. 
WM. WOOD, Manager, 

Office, New York, N. Y. 



Detailed Statement of Stocks akd Bonds. 

Par Valiw. MsrkrC Talne. 

United States bonds, $400,000 00 $442,000 00 

Chicago, Rock Island & Pacific R.R. bonds, 

West Shore bonds, 

Missouri, Kansas & Texas Railroad bonds, 
Brooklyn City & Newtown Railroad bonds. 



200,000 00 209,250 00 

139,000 00 149,078 00 

100,000 00 81,760 00 

60,000 00 64,600 00 



THE PALATINE INSURANCE CO., LIMITED. 



433 



Baltimore & Ohio Railroad bonds, . 
Chicago & Northwestern Railroad bonds, 
New York city bonds, .... 
Manhattan Railway bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & Northwestern Railroad bonds, 
N. Y.,Lake Erie & West. C. and R.R. bonds, 
N. Y. Central & Hudson River R.R. bonds. 
Beech Creek Railroad bonds, • 
Baltimore & Ohio Railroad bonds, . 
Chicago, Milwaukee & St Paul R.R. bonds, 
N. Y. Central & Hudson River R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Oregon Railway & Navigation Co. bonds. 
State of Georgia bonds, .... 
Central of Georgia Railway Company bonds, 
Pittsburgh, Cin., Chic. & St. Louis R.R. bonds, 
Louis & Nash, and Mobile & Mont R.R. bonds. 



Par Value. 

177,000 00 

85,000 00 

200,000 00 

160,000 00 

60,000 00 

64,000 00 

26.000 00 

16,000 00 

26,000 00 

20,000 00 

10,000 00 

14,000 00 

40,000 00 

7,000 00 

25,000 00 

75,000 00 

200,000 00 

100.000 00 



Market Valae. 

•69,686 00 

38,860 00 

200,000 00 

141,000 00 

48,760 00 

64,000 00 

26,250 00 

15,760 00 

26,376 00 

18.400 00 

11,476 00 

16,170 00 

39,200 00 

7,919 00 

25,938 00 

86,250 00 

206,333 00 

106,500 00 



•2,021,000 00 12,082,423 00 



Summary of Assets Dec. 31, 1896. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross). 
Certificates of deposit. 



•2,082,423 00 

7,457 32 

311,907 63 

399,756 76 

60,000 00 



Prem's more than three mos. due, f^^t^^^ ^^ 
Gross assets, 



•2,861,644 71 



Unadmilted, 

Special deposits in other States, . . . 976,938 00 

Cash not in control of trustees, . . . 261,828 30 

327,766 30 

Balance, 92,623,778 41 

Liabilities. 

Losses adjusted, unpaid, (61,118 16 

claimed and reported, .... 168,944 13 

disputed or resisted, .... 62,386 46 

Total amount of losses, (282,447 74 

Less reinsurance, 22,412 13 

Net amount of unpaid losses, .... (260,036 61 

Unearned premiums on outstanding risks, • 1,668,062 93 

Commissions and brokerage, .... 70,766 87 



434 THE PALATINE INSUBANCE CO., LIMITED. 

Return premiums, (28,356 40 

Reinsurance, 6,673 61 



Gross liabilities, except capital, . . $1,923,895 42 

Deduct liability on special deposits, . . 40,555 67 

»1,888,339 75 



Surplus as regards policy holilers, $640,438 66 

Deposit capital, 200.000 00 

Surplus over capital, $440,438 66 

Income. 

Fire premiums outstanding Dec. 31, 1895, . $385,478 36 
Premiums on risks written or renewed, . . 2,818.997 55 



Total $3,204,475 91 

Premiums now in course of collection, . . 422356 69 



Entire premiums collected, .... (2,781,619 22 
Less reinsurance and return premiums, . . 534,169 10 

Net cash fire premiums received, . , . (2,247,450 12 

Interest received on moi*tgages, 3,000 00 

Interest and dividends received from all other souix;es, . . 86,187 07 



Gross cash income, ........ (2,336,637 19 

Expenditures. 

Cash paid for fire losses, (1,503,436 75 

Deduct salvage and reinsurance, . . . 40,190 73 

Net cash paid for fire losses, .... $1,463,246 02 

Cash paid for commissions and brokerage, .... 470,696 88 

for salaries of ofScers and employees, . . . 168,471 45 

for State and local taxes, 47,38S 98 

for incidentals, 105,812 ?8 

Overdrafts paid 35,000 00 

Gross cash expenditures, . . • / - • • • (2,290,609 61 

Risks and Premiums. 

Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$305,252,666 00 $3,875,686 83 
252,116,936 00 2,818,997 5o 



(557,369,602 00 $6,694,684 36 
265,356,758 00 3,454,266 19 



(292,012,844 00 $3,240,4KS 13 
8,592,756 00 70^ 01 



$283,420,088 00 $3,169,538 IS 



Miscellaneous. 
Fire losses incurred during the year, $1,376,090 00 



PH<£NIX ASSURANCE GO. 435 



UNITED STATES BRANCH OF THE "PHCENIX ASSURANCE 
COMPANY OF LONDON/' LONDON, ENGLAND. 

I>IP09IT OAPITAL, $200,000. 

A. D. IRVING, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Pftr Vatne. Market Valne. 

United States boods, f 1,298,000 00 11,466,020 00 

Central of New Jersey bonds, .... 60,000 00 69,125 00 

Chicago, Rock Island & Pacific bonds, . . 60,000 00 62,312 50 

New York, Chicago and St. Louis bonds, . 60,000 00 52,125 00 

West Shore bonds, 120,000 00 128.700 00 

Pennsylvania Company bonds, . . . 25,000 00 27,875 00 

Chicago & Northwestern sinking fand bonds, 43,000 00 47,300 00 

St. Paul, Minn, and Manitoba bonds, . . 60,000 00 62,600 00 

New York City bonds, 100,000 00 100,000 00 

11,786,000 00 tr,975,957 60 

SUMMART OF ASSETS DeC. 31, 1896. 

Stocks and bonds, as per schedule, . . . |1, 976,967 60 

Cash in the office of the company, . . . 670 03 

Cash deposited in bank, 649,474 77 

Premiams in course of collection (gross), . 217,643 38 

Reinsurance due, 2,779 68 

Prem-s more than three mos. due, |8,793 82 

Gross assets, 12,816,425 26 

UnadmiUed, 

Special deposits in other States, . . . (217,426 00 
Cash not in control of trustees, . . . 61,772 38 

269,197 38 

Balance, 12,677,227 88 

Liabilities. 

Losses adjusted, unpaid, f 20,220 00 

claimed and reported, .... 296,600 00 
disputed or resisted, .... 36,792 00 

Total amount of losses, 1351,612 00 

Less reinsurance, 132,483 00 

Net amount of unpaid losses, .... f21 9,029 00 
Cncamed premiums on outstanding risks, . 1,419,408 63 



436 FH(ENIX ASSURANCE GO. 

Commissions and brokerage, .... 133,111 87 
Return premiums and reinsurance, . . . 148,992 41 

Gross liabilities, except capital, . . tlf^^^v^^l ^1 

Deduct liability on special deposits, . . 103,998 25 

$1,746,648 16 



Sarplus as regards policy holders, ...... |830,684 72 

Deposit capital, ......... 200,000 00 

Surplus over capital, t630,684 7S 

Income. 

Fire premiums outstanding Dec. 81, 1895, . t217,929 78 
Premiums on risks written or renewed, . . 8,277,176 81 



Total, 13,495,106 59 

Premiums now in course of collection, . . 226,387 20 



Entire premiums collected, .... t3,268,769 89 
Less reinsurance and return premiums, . . 1,236,124 27 

"Net cash ^ve premiums received, 12*032,645 IS 

Interest and dividends received from all sources, . . . 71,245 00 

Gross cash income, #2,108,890 12 

EXPENDITITRES. 

Cash paid for fire losses, tl|648,452 55 

Deduct salvage and reinsurance, . . . 504,855 95 

Net cash paid for fire losses, .... 11,188,596 60 

Cash paid for commissions and brokerage, .... 401^02 54 

for salaries of officers and employees, . . . 107^82 88 

for State and local taxes, 58,802 28 

for incidentals, 140387 63 

Gross cash expenditures, tl«8^2,42I 92 

Risks and Premiums. 

Fire risks outstanding Dec. 81, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



Premii 

1898,904,494 00 18,800,228 74 
854,440,060 00 8,277,176 81 



1748^44,554 00 {7,077,405 55 
854,891,088 00 8,860.107 35 



1898,458,466 00 18,717.298 20 
96,252,176 00 864,199 18 



#297,901,290 00 {2358,099 02 



MiSCELLAKEOCS. 

Fire losses incurred during the year, ..... 11*138,200 00 



PRUSSIAN NATIONAL INSURANCE CO. 



437 



UNITED STATES BRANCH OF THE •* PRUSSIAN NATIONAL 
INSURANCE COMPANY," STETTIN, GERMANY. 

Deposit Capital, $200,000. 

THEODORE W. LBTTON, Resident Manager, 

Office^ Chicago^ III, 



Detailed Statement of Stocks 



IJDited States govemmeDt bonds, • 
Baltimore & Ohio Railroad bonds, . 
Beech Creek Railroad bonds, . 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Clercland Terminal & Valley R.R. bonds, 
Erie Railroad bonds, 
Illinois Central Railroad bonds. 
Lake Erie & Western Railroad bonds, 
Lehigh Yalley Railroad bonds, 
Lonisrille & Nashville Railroad bonds, 
Metropolitan Elevated Railroad bonds, 
Montana Central Railroad bonds, . 
Milwaukee, Lake Shore & West R.R. bonds, 
New York, Chicago & St. Louis R.R. bonds, 
Pennsylvania Railroad bonds, . 
Rochester & Pittsburg Railroad bonds, . 
St. Paul, M. & Manitoba Railroad bonds, 
St Paul & Sioux City Railroad bonds, . 
Toledo ft Ohio Central Railroad bonds, . 



and Bonds. 

Par Value. 

•200,000 00 
30.000 00 
30,000 00 
30,000 00 
16,000 00 
10,000 00 

8,000 00 
16.000 00 
29,000 00 
31,000 00 
12,000 00 
11,000 00 
11,000 00 
30,000 00 
30,000 00 
14,000 00 

6,000 00 
26,000 00 
16,000 00 



Market Valae. 
#221,000 00 

27,000 00 
31,660 00 
84,600 00 
11,250 00 
13.900 00 

8,320 00 
17,625 00 
29,616 26 
36,976 00 
14,310 00 
11,830 00 
13,970 00 
30,187 60 
33,000 00 
16,870 00 

6,837 60 
31,060 00 
17,200 00 



1663.000 00 1607,601 26 



Sumuart of Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, . |800 00 

Stocks and bonds, as per schedule, . . . 607,601 26 

Cash in the office of the company, . . . 107 10 

Cash deposited in bank, 18,766 38 

Interest due and accrued, 6,678 32 

Premiums in course of collection (gross), . 79,043 08 

Bills receivable, 30 10 

Due for reinsurance, 6,343 48 

Gross assets, $717,368 66 

Unadmitled, 

Cash not in control of trustees, • . . tl|876 66 

Bills receivable, 80 10 

1,906 76 

Balance, $716,461 90 



438 PBUSSIAN NATIONAL IN8UBANGE CO. 



Liabilities. 

Losses adjusted, unpaid, #17,382 38 

claimed and reported, .... 16,615 25 

disputed or resisted, .... 6,400 00 



Total amount of losses, #40,397 63 

Less reinsurance, ...... 1,349 61 



Net amount of unpaid losses, .... t39,048 02 

Unearned premiums on outstanding risks, . $12,480 06 

Commissions and brokerage, .... 14,630 37 

Return premiums, 14,052 76 

Reinsurance, 2,076 25 

Incidentals, 1,315 26 

Gross liabilities, except capital, . . ^S8S^602 72 

Surplus as regards policy holders, |331,859 18 

Deposit capital, 200,00000 



Surplus over capital, . ' t^S^i^^ ^^ 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection. 



Entire premiums collected. 
Less reinsurance and return premiums, . 
Net cash fire premiums received. 
Marine premiums written and collected. 



1429.847 56 

6390 72 

Interest and dividends received from all sources, . . . 24,995 19 



$106,057 76 
521,675 92 

$627,733 68 
79,048 08 

$548,690 60 
118,843 04 



Gross cash income, $460,73S 47 

Expenditures. 

Cash paid for fire losses, $282,357 86 

Deduct salvage and reinsurance, . . . 12,866 40 

Net cash paid for fire losses, .... $269,491 46 

Cash paid for marine and inland losses, 5,10S 65 

for commissions and brokerage, .... 88,315 65 

for salaries of officers and employees, . . . 46,004 $4 

for State and local taxes, 11,721 43 

for incidentals, ....... 25,08006 



Gross cash expenditures, $445,716 09 



THE RELIANCE MARINE INSURANCE CO. (LIMITED). 439 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . 
Dedact amount reinsured, . 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1895, 
Marine risks written during 1896, . 



Total, 

Deduct risks expired and terminated, 



Franlamt. 

151,003.901 00 $650,061 00 
42,408,863 00 521,675 92 



$93,407,264 00 $1,171,736 92 
42.866,734 00 540,371 58 



$50,540,530 00 $631,865 34 
1,973,975 00 24,150 66 



$48,566,555 00 $607,214 68 

$63,631 00 $2,866 52 
501.245 00 5,890 72 



$564,876 00 
465,297 00 



$8,757 24 
5,052 25 



In force at end of year, . . . . . $99,579 00 $3,704 99 



Miscellaneous. 

Fire losses incurred during the year, • 

Marine and inland losses incurred during the year. 



$250,188 00 
5,103 00 



UNITED STATES BRANCH OF "THE RELIANCE MARINE IN- 
SURANCE COMPANY (LIMITED)," LIVERPOOL. 

Bbpobit Capital, $800,000. 
HIQOIN8, COX ft BARBBTT, AOomeyi. 

Office, New York, N, T. 



Detailed Statement of Stocks and Bonds. 

Par Talae. 

$25,000 00 
200,000 00 
50,000 00 
80,000 00 
15,000 00 
15,000 00 



United States bonds, . 

New York city bonds and stock, 

Brooklyn city bonds, 

Boston city bonds, • 

Old Colony Railroad bonds, 

Hereford Railroad bonds. 



Market Value. 

$27,500 00 
196,000 00 
52.875 00 
80,000 00 
15,375 00 
14,550 00 



$385,000 00 $336,300 00 



440 THE BELIANCE MARINE INSURANCE GO. (LIMITED). 



ScMMART OF Assets Dec. 31, 1896. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest dae and accrued, , . . . 
Premiums in course of collection (gross). 
Reinsurance due, 



Frem's more than three mos. due, $1,432 68 
Gross assets, 



$336,300 00 

10 88 

5,891 22 

2,050 00 

36,845 21 

3,621 38 



$384,718 69 



UnadmiUed, 
Cash not in control of trustees, . . . $5,902 10 
Reinsurance, 3,621 38 



9,523 48 



Balance, $375,195 21 



Liabilities. 



Losses claimed and reported, . 
Less reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Commissions and brokerage, . 

Reinsurance, 

Reinsurance disallowed, .... 
Gross liabilities, except capital. 



$25,873 93 
70 00 

$25,803 93 

38,107 50 

7,216 52 

1,000 00 

10,870 78 



82,998 78 



Surplus as regards policy holders, $292,196 48 

Deposit capital 300,000 00 



Impairment of capital,* 



$7,803 52 



Income. 

Marine premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection. 

Entire premiums collected. 

Less reinsurance and return premiums, 

Net cash marine premiums received, . . - 

Interest and dividends received from all sources, . 

Gross cash income, 



$20,304 22 
300,176 51 

$320,480 73 
38,277 89 

$282,202 84 
96349 76 



$185,853 08 
12,272 01 

$198,125 09 



* Since TeDdertng lu Rnnaal Btatement the compaoy ha« depOBlted io the hftods of Ito Watam 
Maine 0«ntral K.R. bondi, $16,000 par valoe. 



BOTAL INSURANCE CO. 



441 



Expenditures. 

Cash paid for marine and inland losses, . . f 235,050 20 
Deduct salvage and reinsurance, . . • 128,097 72 

Net cash paid for marine and inland losses, . tint952 48 

Cash paid for commissions and brokerage, .... 21,072 78 

for salaries of officers and employees, . . . 2,532 78 

for State and local taxes, 677 90 

for rent and incidentals, 7,352 60 

Gross cash expenditures, $148,588 54 

Risks and Pbemiums. 

Premlami. 

Marine risks outstanding Dec. 31, 1895, . . $2,550,454 00 $25,367 18 

Marine risks written during 1896, . . . 55,365,581 00 300,176 51 

Total, $57,916,035 00 $325,543 64 

Deduct risks expired and terminated, . . 51,921,555 00 269,802 86 

In force at end of year, $5,994,480 00 $55,741 28 

Deduct amount reinsured, .... 1,974,864 00 17,683 78 

Net amount in force, $4,019,616 00 $88,107 50 

Miscellaneous. 

Marine and inland losses incurred during year (est. by dep*t), $118,142 00 



UNITED STATES BRANCH OF THE "ROYAL INSURANCE 

COMPANY," LIVERPOOL, ENGLAND. 

Office, 85 Water Street, Boston, 

DiPOBZT Capital, $300,000. 

8GIJLL 9l field, Ifanagert of the Jfew England Branch, 



Detailed Statement of Stocks 



United States bonds, .... 
Albany & Susquehanna Railroad bonds, . 
Brooklyn & Montauk Railroad bonds. 
Central Railroad of New Jersey bonds, . 
Chicago, Burlington & Quincy Railroad bonds 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & Northwestern Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Ctn., Indianap., St. Louis & Chic. R.R. bonds, 
Cleveland & Pittsburgh Railroad bonds, . 



AND Bonds. 

Par Valns. 

1735,000 00 

850,000 00 

25,000 00 

200,000 00 

50,000 00 

62,000 00 

100,000 00 

100,000 00 

100.000 00 

100.000 00 



Market Valae. 

#865,812 50 
402,500 00 

27,250 00 
236,000 00 

59,250 00 

81,220 00 
141.000 00 
132,000 00 

98,000 00 
112,000 00 



442 



ROTAL INSURANCE GO. 



Dt^l aware & Hudson Canal Co. bonds, 

Illinois Central Railroad bonds. 

Lake Erie & Western Railroad bonds, 

Michigan Central Railroad bonds, . 

Milwaukee & St. Paul Railroad bonds, 

Morris & Essex Railroad bonds, 

N. Y. Central & Hudson River R.R. bonds, 

New York, Chicago & St Louis R.R. bonds. 

New York & Harlem Railroad bonds, 

N. Y., Lackawanna & Western R.R. bonds, 

Pennsylvania Railroad bonds, . 

Pittsburgh, Fort Wayne & Chicago R.R. bonds 

Philadelphia & Reading Railroad bonds, 

Rome, Watertown & Ogdensburg R.R. bonds 

St. Paul, Minn. & Manitoba Railroad bonds, 

Syracuse, Binghamton & N. Y. R.R. Co. b^ds, 

United New Jersey R.R. and Canal Co. bonds 

West Shore Railroad bonds, 

Winona & St. Peter Railroad bonds. 



Par Value. 

#40,000 00 

123,000 00 

30,000 00 

170,000 00 

100,000 00 

16,000 00 

100,000 00 

100,000 00 

110,000 00 

100,000 00 

80,000 00 

14,000 00 

100,000 00 

25,000 00 

76,000 00 

60,000 00 

800,000 00 

100,000 00 

38,000 00 



Market Taloe. 
$67,200 00 

186,000 00 

84,800 00 

188,360 00 

129,000 00 

22,560 00 

122,000 00 

104,000 00 

122,100 00 

135,000 00 

83,500 00 

19,040 00 

103,000 00 

29,750 00 

89,250 00 

70,500 00 

836,000 00 

107,500 00 

48,260 00 



18,443,000 00 14,041,852 50 



SuMiCABT OF Assets Dec. 31, 1896. 



Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon. 
Stock and bonds, as per schedule. 
Cash in the office of the company. 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (g 
Premium notes, . • 

Rents due, 

Accrued interest on bank deposit, 
Receivable for perpetual policies. 
Bills receivable, 
Prem^s more than three mos. due, $28,770 68 
Gross assets, ...... 



ross), 



$1,767,166 24 

279,000 00 

1,163 83 

4,041,862 60 

2,888 72 

421,409 39 

1J60 00 

734,864 65 

2,788 86 

13,137 38 

30 00 

1,385 10 

386 46 



$7,257,811 62 



Unadmitted. 

Special deposits in other States, . . . |270,000 00 

Real estate not in hands of trustees, . . 65,000 00 

Cash not in hands of trustees, .... 69,046 41 

394,046 41 

Balance $6,863,765 2j 

• Total value of property mortgaged, . • . . . $6^,500 00 
Amount of fnaaranee held' as collateral, .... 282,00000 



BOTAL INSURANCE CO. 443 



Liabilities. 

Losses adjusted, nDpaid, f-^t^^^ ^^ 

claimed and reported, .... 474,71137 

disputed or resisted, .... 58,598 02 

Total amount of losses, #^78,803 90 

Less reinsurance, 121,291 47 

Net amount of unpaid losses, $457,512 43 

Unearned premiums on outstanding risks, . 8,983,448 48 

Reclaimable on perpetual fire policies, • . 215^73 09 

Liability under life department, . • . 120,000 00 

Due and accrued for rent, salaries, etc., . . 5,428 21 

State and local taxes, 12,507 47 

Commissions and brokerage, .... 142,890 64 

Return premiums, 23,665 10 

Reinsurance, ....... 155,678 89 

Reinsurance disallowed, 3,303 21 

Gross liabilities, except capital, . . $5,120,307 52 
Deduct liability on special deposits, . . 231,011 30 

$4,889,296 22 

Surplus as regards policy holders, $1,974,468 99 

Deposit capital, 200,000 00 

Surplus over capital $1,774,468 99 

Income. 

Fire premiums outstanding Dec. 31, 1895, . $683,755 13 
Same not collected, . ' 1,505 77 

Net collected, $682,249 36 

Premiums on risks written or renewed, . . 6,241,576 62 

Total, $6,923,825 98 

Premiums now in course of collection, . . 764,918 31 

Entire premiums collected, .... $6,158,907 67 
Less reinsurance and return premiums, . . 1,413,275 28 

Net cash fire premiums received, . . . $4,745,632 39 

Interest received on mortgages, 14,055 00 

Interest and dividends received from all other sources, . . 184,669 14 

Income from rents, 31,667 57 

Deposits received for perpetual fire risks, . $13,662 79 

Gross cash income, $4,976,024 10 



f 



444 THE BOTAIi EXCHANGE A8SURAXCE. 



EXPENDITCRES. 

Cash paid for fire losses, 13,036,069 59 

Deduct salvage and reiosnrance, . . . 825,929 02 

Net cash paid for fire losses, .... $2,710,140 57 

Cash paid for commissions and brokerage, .... 812,432 08 
for salaries of officers and employees, • . . 310,457 63 

for State and local taxes, 123,738 99 

for rent and incidentals, 283,^48 23 

Deposits returned on perpetual fire risks, . f 9,654 42 

Gross cash expenditures, $4,240,317 49 

Bisks Ain> Premiums. 

Premluu. 

Fire risks outstanding Dec. 31, 1895, . $859,755362 00 $8,553,626 00 
Fire risks written during 1896, . . 708,908,622 00 6,241,576 00 

Total $1,568,664,484 00 $14,795,202 00 

Deduct risks expired and terminated, . 698,288,980 00 6,330,019 00 

In force at end of year, .... $870,375,504 00 $8,465,183 00 
Deduct amount reinsured, . . . 85,644,599 00 572J92 00 

]Net amount in force $784,730,905 00 $7«892,S9l 00 

Perpetual risks in force (not incl'd above), $9,182,822 00 $9,464 12 

Miscellaneous. 
Fire losses incurred during the year, $2,661,801 00 



UNITED STATES BRANCH OF "THE ROYAL EXCHANGE 

ASSURANCE," LONDON, ENGLAND. 

Deposit Capital, $200,000. 

ROBEKT DICKSON, Resident Manager, 

Office^ Ban Francisco^ Col, 
Detailed Statement of Stocks and Bonds. 

Par y tliw. Uaakti Vtloe. 

United States bonds $301,600 00 $889,667 00 

New York city bonds 300,000 00 809,000 00 

Boston city bonds 22,000 00 24^10 00 

Chicago city bonds, 40,000 00 41,200 00 

$663,600 00 #714.177 00 



THE KOTAL EXCHANGE ASSURANCE. 



445 



SUHHART OF ASSETS DeC. 31, 1896. 



Stocks and bonds, as per schedule, . 
Cash in the ofiSce of the company, . 
Cash deposited in bank, • . . • . 

Interest due and accrued, 

Premiums in course of collection (gross). 

Reinsurance 

Office furniture, etc., . . . {2,419 66 

Frem^s more than three mos. due, . 800 00 

Gross assets, 



$714,177 00 

586 28 

11,720 65 

5,886 00 

56,690 02 

613 35 



•789,673 30 



UnadmiUed, 



Special deposits in other States, 
Cash not in control of trustees. 



1168.000 00 
12,306 93 



180,306 93 



Balance, $609,366 37 



Liabilities. 



I>osses adjusted, unpaid. 
Less reinsurance. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Reinsurance, 

Reinsurance disallowed, . 



Gross liabilities, except capital. 
Deduct liability on special deposits, 




tl0,125 00 
1,500 00 

•8,625 00 
193,466 33 

15,822 61 
611 34 
278 93 

•218304 20 
13,783 00 



Surplus as regards policy holders, 
Deposit capital. 



205.021 20 

•404,345 17 
200,000 00 



Surplus over capital, f 204,345 17 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, . . . 
Less reinsurance and return premiums, . 
Net cash fire premiums received, • « 



•39,583 89 
337,356 14 

•376,940 03 
56,099 00 

•320,841 03 
64,810 20 



•256,030 88 



446 THE BOTAI. EXCHANGE ASSURANCE* 

Marino prcmioms outstanding Dec. 31, 1895, . #^55 65 

Premiams on lisks written or renewed, . . 8,188 59 



Total, 19,144 24 

Premiums now in course of collection, . . 891 02 



Entire premiums collected, .... f8,253 22 
Less reinsurance and return premiums, . • 477 72 

Net cash marine premiums received, . . f 7,775 5^ 

Interest and dividends received from all sources, . . 12,601 0<} 

Received from home office, • . *. . |350,200 00 



Gross cash income, {276,410 S3 

EXPENDFTURES. 

Cash paid for fire losses, $117,467 41 

Deduct salvage and reinsurance, . . . 11,126 48 

Net cash paid for fire losses, . . • . 1106340 93 

Cash paid for marine and inland losses, 2,778 ^^ 

for commissions and brokerage, .... 65,62$ 00 

for salaiics of officers and employees, • . • 25,819 03 

for State and local taxes, 8,062 W 

for incidentals, 16,954 93 

Remitted to home office, ..... t^9t889 28 



Gross cash expenditures, $220,583 86 

Risks and PRExrniis. preBimM. 

Fire risks outstanding Dec. 81, 1895, . . $20,261,586 00 $240,992 73 

Fire risks written during 1896, . . . 29,105,859 00 337,356 U 



Total, 149,367,445 00 $578,348 «7 

Deduct risks expired and terminated, . . 16,829,129 00 197«523 51 



In force at end of year, $33,038,316 00 $380,825 36 

Deduct amount reinsured, .... 2,357,167 00 26,750 30 



Net amount in force, .... $30,681,149 00 $354,075 06 



Marine risks outstanding Dec. 31, 1895, . 
Marine risks written during 1896, . 



Total, 

Deduct risks expired and terminated, 

lu force at end of year, .... 

Miscellaneous 
Fire losses incurred during the year. 



$72,097 00 $129 81 

2394,238 00 8,188 59 



$2,966,335 00 $8,318 40 
2,947,443 00 8,196 10 



$18,892 00 $122 30 



$99,909 00 



I 



SCOTTISH UXION AND NATIONAL INSURANCE CO, 



447 



UNITED STATES BRANCH OF THE "SCOTTISH UNION AND 
NATIONAL INSURANCE CO.," EDINBURGH, GREAT BRITAIN. 

Deposit Oapital, $200,000. 
M. BBNNBTT, Manager. 

Office^ Hartford^ Conn, 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

Conntj of Middlesex debentnres, . 

City of Toronto bonds, 

Ontario Railway subsidy bonds, . • 

Canada inscribed stock, 

City of Richmond bonds, 

Georgia State bonds, 

Freehold Loan and Savings Co. debentures, . 

New York City bonds, 

Land Security Co. debenture, . . . . 
Central Canada Loan and Sav. Co. debenture, 
Chicago, Milwaukee & St. Paul R.R. bonds, . 
Pitts., Cincinnati, Chic. & St. Louis R.R. bonds, 
Cleve., Cincinnati, Chic. & St Louis R.R. bMs, 
Boston & Maine Railroad bonds. 
Central Railroad of New Jersey bonds, 
Maine Central Railroad bonds, 
Baltimore & Ohio Railroad bonds, • 
City of Toledo, Ohio, bonds, . 
County of Milwaukee, Wis., buildings bonds. 
County of Lucas, Ohio, court house bonds, 
Stttten Island Railroad bond, ' . 
Chicago & Northwestern Railroad bonds, 
Hartford Street Railway bonds, 
Massachusetts metropolitan water bonds, 



Par Valae. 

150,000 00 

8,000 00 

1,600 00 

41,529 60 

100,000 00 
52,500 00 
25,000 00 
25,000 00 

200,000 00 
25,000 00 
25,000 00 
50,000 00 
25,000 00 
80,000 00 
50,000 00 
50.000 00 
40,000 00 
26,000 00 
60,000 00 
85,000 00 

100,000 00 
25.000 00 
60,000 00 

100.000 00 

100,000 00 



Market Valne. 

155,062 50 

8,000 00 

1,500 00 

87,621 59 

109.000 00 
52,500 00 
25,000 00 
25,000 00 

200,000 00 
25,000 00 
25,000 00 
48,500 00 
27,000 00 
26,400 00 
58,250 00 
57,250 00 
40,800 00 
26,780 00 
52,875 00 
88,675 00 

101,000 00 
25,625 00 
64,125 00 

102,000 00 

110,000 00 



»1,279,529 60 tl.827,964 09 



Securities held as collateral for cash loans : — 

32 shares Hartford Steam Boiler Ins. Co., 
40 •• Pennsylvania Railroad Co., . 
60 " Pennsylvania Railroad Co., 
10 " N. Y., N. H. & Hartford R R., . 
Brooklyn Wharf and Warehouse Co. bond, . 
80 shares North Chicago St. Railway Co., 
North Chicago Street Railway Co. bond, 
Chic, Barrgton & Quincy R'y Co. debentnres, 



Market Valae. 1 


Loaned Thereon. 


18,840 00 } 
2,070 00 S 


t5,000 00 




2,588 00 ^ 




8,766 00 S 


6,000 00 


1,000 00 ) 




6,000 00 N 




1,000 00 > 


6,500 00 


2,000 00 ) 





$22,254 00 117,600 00 



448 



SCOTTISH UNION AND NATIONAL INSURANCE CO. 



Summary of Assets Dec 

Cash value of unencumbered real estate. 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule. 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross). 
Gross assets, 



Special deposits in other States, 
Cash not in control of trustees. 

Balance, .... 



UnadmiUed. 



31, 1896. 

•52,650 80 

1,549,607 70 

26,834 88 

1,327,964 09 

17,500 00 

993 01 

414,763 24 

14,570 84 

276,234 04 



#3,681,118 60 



•346,062 50 
108,960 06 



455,022 56 



. 13,226,096 04 



LlABIUTIES. 

Losses adjusted, unpaid, 1109,152 10 



claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks. 
Commissions and brokerage, . . • 
Reinsurance disallowed, .... 



Gross liabilities, except capital. 
Deduct liability on special deposits, 



188,653 00 

31,595 20 

1,770,233 -Jl 

25,875 00 

3,283 74 

•2,128,692 25 
279,900 62 



1,848,791 78 



Surplus as regards policy holders, tlt377,304 31 

Deposit capital, 200,000 00 



Surplus over capital, 



•1,177,304 SI 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected. 
Less reinsurance and return premiums, . 
Met cash fire premiums received, . 
Interest received on mortgages. 



•253,956 70 
3,056,243 54 

•3,310,200 24 
276,234 04 

•3,033,966 20 
709,287 54 



Interest and dividends received from all other sources, . 



•2,324,678 66 

78311 10 
51,163 75 



Gross cash income, •2,454,653 61 

* Valae of landi mortgaged, • . $1,806,900 00 

Valae of bulldloga thereon, ]«fr28,703 00 

Amouut of iDsoranee held m ooUaUml, .... I,0i0.000 00 



SUN mSUBANGE OFFICE. 



449 



EXPENDITUBES. 

Cash paid for fire losses, f 1,356,8 llf 10 

Deduct salyage and reinsurance, . . . 230,998 06 

Net cash paid for fire losses, .... 11,125,31204 

Cash paid for commissions and brokerage, .... 495,758 60 

for salaries of officers and employees, . . • 104,267 98 

for State and local taxes, 53,063 42 

for incidentals, 118,320 73 



Gross cash expenditures, 1^,896,717 72 



Risks and PREinuHS. 



Fire risks outstanding Dec. 31, 1895, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



Prenlnnis. 



1343,875,704 00 f 3,1 17,505 17 
306,295,544 00 3,056,243 54 



$650,171,248 00 $6,173,748 71 
248,342,941 00 2,565.216 57 



$401,828,307 00 $3,608,5312 14 
27,303,654 00 248,792 .35 



$374,524,653 00 $3,359,739 79 



Miscellaneous. 
Fire losses incurred during the year, • 



$1,265,367 00 



UNITED STATES BRANCH OF THE " SUN INSURANCE OFFICE," 

LONDON, ENGLAND. 

DiPOBiT Capital, $200,000. 
J. J. OUILB, Betldeni Manager, 

Office, New York, N. Y. 



Detailed Stateicent of Stocks 



United States bonds, ..... 
Illinois Central leased line stock, . 
Morris & Essex Railroad stock, 
Pittsburgh, Fort Wayne & Chicago stock, 
Rome, Watertown & Ogdensburg R.R. stock, 
Atchison, Topeka & Santa F6 bonds, 
Baltimore & Ohio Equipment Co.'s bonds, 
Baltimore & Ohio receivers' certificates, . 
Central of New Jersey Railroad bonds, . 
Chicago, Milwaukee & St. Paul R.R. bonds, 



AND Bonds. 

Par Value. 
f879,000 00 
30,000 00 
4,800 00 
80,000 00 
25,000 00 
68,500 00 
50,000 00 
50,000 00 
50,000 00 
40.000 00 



Market Valae. 

•433,306 25 
27,675 00 
7,872 00 
48,525 00 
29,250 00 
65,068 75 
50,500 00 
60,250 00 
58,000 00 
41,200 00 



450 



SUN IN8UBAK0E OFFIOB. 



Cincinnati, Hamilton & Dayton bonds, . 
Cleveland, Cincinnati, Chic. & St. Louis R.R., 
Lehigh & New York bonds, . • . . 
Lehigh Valley Terminal bonds, 
Lonisyille & Nashville bonds, .... 
Louis. & Nash., Mobile & Montgomery bonds, 
Milwaukee, I^ke Shore & Western bonds, 
Minn., Sault Ste. Marie & Atlantic R R. bonds, 
Norfolk & Western Railroad bonds, 
Northern Pacific Railroad Company bonds, . 
New York, Lake Erie & Western bonds, 
Rio Grande Junction bonds, .... 
St. Louis, Alton & Terre Haute bonds, • 
St Louis Bridge Company bonds, . 
Terminal R.R. Association of St Louis bonds. 
West End Street Railway Co., Boston, bonds, . 
City of Dayton, Ohio, paving and sewer bonds. 
City of Sandusky, Ohio, paving bonds, . 
City of Toledo, Ohio, street improvement b'ds. 
City of Youngstown, Ohio, township park bMs, 
Harrison County, Ohio, court house bonds, 
Lucas County, Ohio, court house bonds, . 
City of Richmond, Va., bonds, .... 
City of Portland, Ore., water loan bonds, 



ParValae. 

t50,000 00 
25,000 00 

100,000 00 
60,000 00 
23,000 00 

100,000 00 
25,000 00 
25,000 00 
20,000 00 
60,000 00 
50,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
50,000 00 
45,000 00 
10,000 00 
10,000 00 
5,000 00 
10,000 00 
25,000 00 
10,000 00 
82,000 00 



MaikeCValM. 
$51,000 00 

22,250 00 
90,500 00 
54,000 00 
26,680 00 
103,000 00 
27,750 00 
22,500 00 
21,700 00 
56,500 00 
67,400 00 
21,125 00 
25375 00 
81,750 00 
26,500 00 
62,250 00 
60,625 00 
10,360 00 
11,200 00 
5,500 00 
10,400 00 
24,750 00 
10,330 00 
36,160 00 



»1,542,300 00 $1,671,302 00 



Summary of Assets Dec. 31, 1896. 

Cash value of unencumbered real estate, . $270,000 00 

Loans on mortgage of real estate (first liens *), 188,000 00 

Interest due or accrued thereon, . . . 1,850 83 

Stocks and bonds, as per schedule, . . . 1,671,802 00 

Cash in the office of the company, . . . 556 49 

Cash deposited in bank 181,104 19 

Interest due and accrued, 21,868 76 

Premiums in course of collection (gross), • 304,937 64 

Rents due and accrued, 1,408 61 

Prem^s more than three mos. due, $79343 50 

Gross assets, 

UnadmiUed, 

Special deposits in other States, . . . $209,911 25 

Cash not in control of trustees, . . . 179,903 05 



$2,641,518 53 



389,814 90 



Balance, $2,251,704 « 

• Value of laDdi mortgaged $168,000 00 

Value of balldlnge tbereoo 142.000 00 

Amount of Inaorance held ae oollateral, . • • . • 127,000 00 



SUN INSURANOE OFFICE. 451 



Liabilities. 

Losses adjusted, unpaid, f 73,270 86 

claimed and repoi*ted, .... 97,065 72 

disputed or resisted, .... 9,540 00 

Total amount of losses, 1179,876 58 

Less reinsurance, 18^26 58 

Net amount of unpaid losses, .... 1161,350 00 

Unearned premiums on outstanding risks, . 1,389,488 90 

Due and accrued for rent, salaries, etc., . 1,316 67 

Commissions and brokerage, .... 58,287 53 

Reinsurance, 3,875 61 

Reinsurance disallowed, 1,393 38 

Gross liabilities, except capital, . . 11,615,212 09 

Deduct liability on special deposits, . • 140,300 71 

11,474,911 38 

Surplus as regards policy holders, f 776,792 84 

Deposit capital, 200,000 00 

Surplus over capital, 1576,792 84 

Income. 

Fire premiums outstanding Dec. 81, 1895, |304,628 25 

Premiums on risks written or renewed, . . 1,915,808 61 

Total, f 2,220,436 86 

Premiums now in course of collection, . . 312,281 14 

Entire premiums collected, .... 11,908,155 72 
Less reinsurance and return premiums, . . 350,479 93 

Ket cash fire premiums received, . . . f 1,557,675 79 

Interest received on mortgages, 9,955 00 

Interest and dividends received from all other sources, . . 76,933 63 
Income from rents, 10,569 72 

Gross cash income, 11,655,184 14 



ExrEKprrrRES. 

Cash paid for fire losses, 1852,081 21 

Deduct salvage and reinsurance, . . . 56,592 16 

Net cash paid for fire losses, .... 1795,489 05 

Cash paid for commissions and brokerage, .... 281,939 31 

for salaries of officers and employees, . . . 83,478 83 

for State and local taxes, 38,903 77 

for incidentals, 152,126 43 

Gross cash expenditures, 11,351,987 39 



452 



THE SYEA FIBE AND LIFE IKSUBANCE CO. 



Risks and Peekicics. 

PfcnihuuL 

Fire risks outstanding Dec. 81, 1895, . f 816,015,299 00 f 2,956,8S0 91 
Fire risks written daring 1896, . . 196,977,105 00 1,915«808 61 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . . 



f 5 12,992,404 00 $4^72,689 53 
194,191,560 00 1,937,260 48 



fdl8300344 00 f2,935,429 04 
15,582«804 00 137,198 17 



$803,218,040 00 12,798,280 87 



Miscellaneous. 
Fire losses incurred during the year. 



$786,780 00 



UNITED STATES BRANCH OF "THE SVEA FIRE AND LIFK 
INSURANCE COMPANY, LIMITED," GOTHENBURG, SWEDEN. 

DIP08IT Capital, $200,000. 
WSED ft KSNNEDT, Manager; 

Office^ Eartfard^ Conn, 
Detailed Statement of Stocks Ain> Bonds. 

Vu Valii«. Kuket Vilw. 

United States bonds, $200,000 00 $220^ 00 

Pittsburgh, Cincinnati, Chi. & St. Louis R.R., 50,000 00 50,000 00 
New York city bonds, 55,000 00 58,775 d' 



$305,000 00 $329,275 00 



SuuitABT of Assets Deo 

Stocks and bonds, ta pet schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued. 
Premiums in course of collection (gross), 
Gross assets, 



81, 1896. 

$329,275 00 

45 51 

40,067 61 

423 34 

43,909 61 



$413,721 07 



UnacbniUeeL 



Cash not in control of trustees, 



11,707 S9 



Balance, $402,013 6d 



THE SYEA FIBE AND LIFE INSURANCE CO. 



453 



LfABILITIES. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted. 



Total amount of losses, 
Less reinsurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, . 

Gross liabilities, except capital. 



Surplus as regards policy holders. 
Deposit capital. 



t8,211 00 

14,858 62 

2*600 00 

•25,569 62 
2,057 20 

•28,512 42 

129,817 51 

12^43 72 

5,878 28 

10 89 



Surplus over capital. 



•171,762 32 

•230,251 36 
200,000 00 

•30,251 36 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 



Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, . 

Interest and dividends received from all sources, . 



•9,975 77 
827,742 76 

•337,718 53 
43,909 61 

•293,808 92 
77,489 88 



•216,369 04 
6,287 31 



Gross cash income, •222,656 85 



Expenditures. 

Cash paid for fire losses, •66,972 10 

Deduct salvage and reinsurance, . . . 6,728 69 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, .... 

for State and local taxes, 

for incidentals, . 



•60,243 41 

69,520 82 

934 26 

3,085 34 



Gross cash expenditures, •133,783 83 



454 



THAMES AND MERSEY MARINE INSURANCE GO. 



Risks and Premiums. 



Fire risks outstanding Dec. SI, 1S95, 
Fire risks written during 1896, 



Total, 

Deduct risks expired and terminated. 



In force at end of year, , 
Deduct amount reinsured. 

Net amount in force, 



. •3,887,149 00 
. 26,742,813 00 



$63,576 44 
827,742 76 



. 130,629,462 00 f 891^19 SO 
. 11,073,888 00 129,947 06 



119,555,574 00 $261,372 14 
1,503382 00 22,001 58 



. $18,051,692 00 $289,370 56 



Miscellaneous. 
Fire losses incurred during the year. 



$79,949 00 



UNITED STATES BRANCH OF THE '* THAMES AND MERSEY 
MARINE INSURANCE COMPANY," LIVERPOOL, ENGLAND. 

DspoBiT Capital, $800,000. 
A. J. I£ACIX)NALD, Manager, 

Office, New York, N, T. 
Detailed Statement of Stocks and Bonds. 

Par ValM. Vaitel Tttoe. 

United States bonds $375,000 00 $414,375 00 

Chicago & Northwestern R^y Co. bonds, . . 80,000 00 
Alleghany Valley R'y Co. bonds, . . . 20,000 00 



92,800 (X^ 
20,800 00 



$475,000 00 $527,976 00 



SCMMART OF ASSETS DeC 31, 1896. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . . . • 
Premiums in course of collection (gross). 
Notes taken for marine and inland risks, 
Reinsurance, ...... 



$527,975 00 

2,793 66 

17,906 58 

59,017 39 

2,251 87 

640 24 



Prem's more than three mos. due, $6,170 32 
Gross assets, 



$610;»4 74 



VhadmiUed, 



Special deposits in other States, 
Cash not in control of trustees, 



182,875 00 
20,700 24 



103;>76 « 



Balance, $507,009^ 



THAMES AND MERSET MARINE INSURANCE GO. 455 



LlABIUTIES. 

Losses adjusted and reported, .... f 65,736 00 
Losses disputed or resisted, .... 31,56300 

Total amount of losses, $97,299 00 

I^ess reinsurance, 16,156 00 

Net amount of unpaid losses, .... |81,143 00 
Unearned premiums on outstanding risks, . 83,685 00 
Commissions and brokerage, .... 5,453 99 

Reinsurance, 12,405 89 

Reinsurance disallowed, 5,185 00 

Gross liabilities, except capital, . . 1187,872 88 

Surplus as regards policy holders, ...... f 319,136 62 

Deposit capital, 300,000 00 

Surplus over capital, 119,136 62 

Income. 

Marine premiums outstanding Dec. 31, 1895, . 159,775 79 
Same not collected, 2,130 22 

Net coUected, $57,645 57 

Premiums on risks written or renewed, . . 506,186 72 

Total 1563,832 29 

Premiums now in course of collection, . , 67,439 58 

Entire premiums collected, .... |496,392 71 
Less reinsurance and return premiums, . . 136,429 89 

Net cash marine premiums received, . . t^^t^^S 82 

Interest and dividends received from all sources, . . . 15,000 00 
Income from all other sources, 398 56 

Gross cash income, 1375,361 38 

Expenditures. 

Cash paid for marine and inland losses, . . f 292,460 83 
Deduct salvage and reinsurance, . . . 71,190 07 

Net cash paid for marine and inland losses, . f 221,270 76 

Cash paid for commissions and brokerage, . . . • 37,090 66 
for salaries of officers and employees, . . . 20,894 44 

for State and local taxes, 9,669 23 

for rent and incidentals, 17,918 71 

Remitted to home office, $76,041 70 

Gross cash expenditures, 9306,843 80 



456 



THE THURINGIA INSURANCE GO. 



Risks and Pbemiuhs. !».««•— 

Marine risks outstanding Doc. 31, 1895» . . |6,259«525 00 $84,772 00 
Marine risks written during 1896, . . 105,324,370 00 506,186 72 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 

Deduct amount reinsured, • . 

Net amount in force, . 



$111,583,895 00 $590,958 72 
104,670,205 00 495,145 72 



$6,913,690 00 $95318 00 
916,827 00 12,128 00 



$5,996,863 00 $83,685 00 



Miscellaneous. 
Marine and inland losses incurred during the year, 



. $248308 00 



UNITED STATES BRANCH OF "THE THURINGIA INSURANCE 

COMPANY," ERFURT, GERMANY. 

DIP08IT Oapital, #200,000. 
F. O. V088, DhiUd StaU* Manager, 

Office^ Chicago^ lU, 

Summary of Assets Deo. 31, 1896. 

United States bonds, $300,937 50 

Cash in the ofiSce of the company, . . . 846 03 

Cash deposited in bank 14,371 42 

Interest due and accrued, 2,500 00 

Premiums in course of collection (gross), • 55,02134 
Prem^s more than three mos. due, $9 50 

Gross assets, $873,176 29 

Unadmitted. 

Special deposits in other States, . . . $60,187 50 
Cash not in control of trustees, . . . 4,717 45 

64,904 95 

Balance, $308,27154 

Liabilities. 

Losses adjusted, unpaid, $5,576 58 

Losses claimed and reported, . . . . 1,617 00 

Unearned premiums on outstanding risks, . 56,232 58 

CoDomissions and brokerage, .... 15,696 29 



THB THUBINGIA INSURANCE CO. 457 



/ 



Reiosurance, f422 63 

Reinsarance disallowed, ..... 820 53 

Gross liabilities, except capital, . . |79,865 61 
Deduct liability on special deposits, . . 3,627 35 

176,238 26 

Surplus as regards policy holders, 1232,033 08 

Deposit capital 200,000 00 

Surplus over capital, 132,033 08 

Incomb. 

« 

Premiams od risks written or renewed, . . $120,244 08 
Premiums now in course of collection, . . 55,030 84 

Entire premiums collected, .... f 65,213 24 
Less reinsurance and return premiums, . . 20,159 97 

Net cash fire premiums received, • . . |45,053 27 

Interest and dividends received from all sources, . . . 5,000 00 

Income from commissions, 103 02 

Gross cash income, . ... . • . . $50,156 29 

« 

Expenditures. 

Cash paid for fire losses, $2,784 61 

Deduct salvage and reinsurance, . • . 475 89 

Net cash paid for fire losses, . ... . $2,308 72 

Cash paid for commissions and brokerage, .... 11,00648 
for salaries of officers and employees, . . . 6,254 93 

for incidentals, 13,368 71 

Remitted to home office, $2,500 00 

Gross cash expenditures, ....••• $32,938 84 

Risks and Premiums. 

PremlDiDi. 

Fire risks written during 1896, ... . $10,138,432 00 $120,244 08 
Deduct risks expired and terminated, . . 1,296,218 00 16,697 35 

In force at end of year, . ' . . . . $8,842,214 00 $103,546 73 
Deduct amount reinsured, .... 431,795 00 4,617 43 

Net amount in force, . . . . . $8,410,419 00 $98,929 30 

MiSCELLANEOCS. 

Fire losses incurred during year (estimated by depH), . . $9,502 00 



« 



458 



UNION MARINE INSURANOE OO. (LIMITED). 



UNITED STATES BRANCH OF THE "UNION MARINE INSUR- 
ANCE COMPANY (LIMITED)," LIVERPOOL, ENGLAND. 

DsPOBiT Capital, $300,000. 
J0NB8 ft WHTTLOCK, AUonuyt, 

Office, New York, N. T. 
Detailed Statement of Stocks 



New York city stock, 

Eastern Railroad bonds, . 

Boston & Lowell Railroad bonds, • 

Boston & Albany Ra;ilroad bonds, . 

Boston & Maine Railroad bonds, 

Old Colony Railroad bonds, . 

United States bonds, .... 

Atchison, Topeka & Santa F6 Railroad bonds 

Pennsylvania Railroad bonds, . 

Ohio & Mississippi Railroad bonds, . 

Baltimore & Ohio Railroad bonds, . 

Detroit, Grand Haven & Milwaukee R.R. bonds 

Eastern Railroad bonds, . 

Baltimore & Potomac bonds, . 

Certificate of deposit, 



AND Bonds. 




Par Valne. 


MntetYaln. 


1100,000 00 


$98^00 


68,445 00 


81,365 10 


8,000 00 


3,1SOOO 


4,000 00 


4,260 00 


7,000 00 


8,842 50 


4,000 00 


4,223 75 


200,000 00 


233,990 00 


68^00 00 


42,397 50 


24,300 00 


80,86100 


11,000 00 


11,000 00 


8,000 00 


8,045 00 


1,000 00 


1,000 00 


4,860 00 


5,686 20 


8,000 00 


8,660 00 


14,000 00 


14,000 00 



f511,105 00 $545,351 05 



ScTMiiARY OF ASSETS Dsa 81, 1896. 

Stocks and bonds, as per schedule, . . . $545,851 05 

Cash deposited in bank, 11,078 47 

Premiums in course of collection (gross), • 87,980 04 

Notes taken for marine and inland risks, . 618 75 

Reinsurance, 470 60 

Prem's more than three mos. due, $1,277 21 

Gross assets, 



$595,493 91 



Special deposits in other States, 
Cash not in control of trustees. 



UnadmiUed, 



$114,080 00 
11,078 47 



Balance, 



125,153 47 
$470,340 a 



Liabilities. 



Losses adjusted and reported, 
Less reinsurance, 



Net amount of unpaid losses, . 

Unearned premiums on outstanding risks 
)ue and accrued for rent, salaries, etc., 
Commissions and brokerage, • • 



$18«556 89 
618 87 

$17,948 52 

62,642 52 

119 10 

2,794 64 



UNION MARINE IN8UBAN0B GO. (LIMITED). 459 

Retnm premiams and reiDsaraDoe« • . . |20,474 62 
Trost fnnds, 817 99 

Gross liabilities, except capital, . . f 104,792 89 

Deduct liability on special deposits, . . 1,256 17 

1108,686 22 

Surplus as regards policy holders, f 866,804 22 

Deposit capital, 800,000 00 

Sarplus over capital, 1^6,804 22 

Income. 

Marine premiums outstanding Dec. 81, 1895, . $45,857 29 
Same not collected, •. 1,173 69 

Ket collected, f 44,183 60 

Preminms on risks written or renewed, . . 298,802 99 

Total, 1887,486 59 

Premiums now in course of collection, . • 38,702 80 

Entire premiums collected, .... |298,784 29 
I..ess reinsurance and return premiums, . . 94,992 50 

Net cash marine premiums received, . . 1208,791 79 

Interest and diyidends received from all sources, . . . 21,968 27 
Received from home office, .... 172,898 50 

Gross cash income, 1^25,755 06 

EXPENDITDBBS. 

Cash paid for marine and inland losses, . • f 281,609 18 
Deduct salvage and reinsurance, . . . 58,459 18 

Net cash paid for marine and inland losses, . $178,150 00 

Cash paid for commissions and brokerage, .... 20,349 68 
for salaries of officers and employees, . . 6,716 44 

for State and local taxes, 5,090 10 

for incidentals, 7,765 21 

Remitted to home office, $72,214 11 

Gross cash expenditures, t218«071 88 

Risks and Premiums. premiamf. 

Marine risks outstanding Dec. 81, 1895, . . $2,925,169 00 $68,276 18 
Marine risks written during 1896, . . , 52,245,966 00 298,302 99 

Total, . . , ' $55,171,135 00 $361^79 17 

Deduct risks expired and terminated, . . 50,985,409 00 288,675 72 

In force at end of year $4,185,726 00 $72,908 45 

Deduct amount reinsured, .... 870,228 CO 28,357 26 

Ket amount in force, $8^15,498 00 $49,546 19 

Miscellaneous. 
Marine and inland losses incurred during the year,. • . $109^34 00 



460 



tmiON SOCIETT. 



UNITED STATES BRANCH OF THE "UNION SOCIETY" 

LONDON, ENGLAND. 

DSPOOT OAPtTil., $200^000. 
HALL & HSN8HAW, BstitUnt Managen. 

Office, New York, N, Y, 



Detailed Statexemt oi^ Stocks 

United States bonds, . 

Massachusetts State bonds, . 

Boston city water loan, . 

New York Citj bonds and stock, 

Portland (Oregon) water bonds, 

Beech Creek Railroad bonds, . 

West Shore Railroad bonds, 

Broadway & 7th Avenae R.R. bonds 

Maine Central R.R. bonds, • 

Allegheny Valley R.R. bonds, . 

Lehigh & New York R R. bonds, 

St. Paul, Minneapolis & Manitoba R.R. bonds, 

Chicago city bonds, 



AND Bonds. 

ParVftlo«. 

1803,400 00 
50,000 00 
60,000 00 
196,000 00 
50,000 00 
25,000 00 
55,000 00 
25,000 00 
25,000 00 
25,000 00 
20,000 00 
25,000 00 
50,000 00 



IbcfcetTiliN. 

f 365,217 75 

50,000 00 

56,500 00 

194,040 00 
58,000 00 
26,250 00 
58,850 00 
29,250 00 
25,500 00 
26,500 00 
18,400 00 
29,250 00 
52,250 00 



t899,400 00 1990,007 75 



Summary op Assets Deo 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



31, 1896. 

1990,007 75 

13,979 56 

87,041 35 

3,455 00 

167,012 96 



tl,211,49€ 62 



UnadmittecL 



Special deposits in other States, 
Cash not in control of trustees, 



1178.375 00 
51,020 91 



229,395 91 



Balance, f982,l00 71 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 



Total amount of losses. 
Less reinsurance, 



Net amount of unpaid losses. 



Liabilities. 



13,858 76 

66,969 46 

2,875 00 

•73,203 22 
717 75 

172,485 47 



UNION SOCIETT. 461 

Unearned premiums on outstanding risks, . |48 1,961 26 

Commissions and brokerage, .... 84,078 02 

Return premiums, 726 19 

Reinsurance disallowed, 1,392 25 

Gross liabilities, except capital, . • f 593,643 19 

Deduct liability on special deposits, . . 21,752 92 

$671,890 27 

Surplus as regards policy holders, |410,210 44 

Deposit capital, 200,000 00 

Surplus over capital, . f210,210 44 

Income. 

Fire premiums outstanding Dec. 81, 1895, . 1143,565 36 
Premiums on risks written or renewed, . • 1,153,686 22 

Total, 11,297,251 58 

Premiums now in course of collection, . . 167,012 96 

Entire premiums collected, .... f 1,130,238 62 
Less reinsurauce and return premiums, . . 215,616 12 

Net cash fire premiums received, . . . 1914,622 50 

Interest and dividends received from all sources, . . . 35,458 91 

Gross cash income, $950,081 41 

Expenditures. 

Cash paid for fire losses, $459,058 29 

Deduct salvage and reinsurance, . . . 22,706 79 

Net cash paid for fire losses, .... $436,351 50 

Cash paid for commissions and brokerage, .... 186,502 57 
for salaries of officers and employees, . . . 7,509 90 

for State and local taxes, 25,620 56 

for incidentals, 27,132 64 

Gross cash expenditures, . $683,117 17 

Risks and Premiums. 

Premlami. 

Fire risks outstanding Dec. 31, 1895, . . $78,057,403 00 $960^18 99 
Fire risks wriUen during 1896, . . . 100,140,928 00 1,153,686 22 

Total $173,198,331 00 $2,114,205 21 

Deduct risks expired and terminated, . . 95,598,885 00 1,163,560 44 

In force at end of year, $77,599,446 00 $^^0,644 77 

Deduct amount reinsured, .... 1,322,127 00 15,408 70 

Ket amount in force, $76,277,319 00 $935,236 07 

Miscellaneous. 
Fire losses Incurred during the year, $389,502 00 



462 



WESTERN JLSSUBANGE CO. 



UNITED STATES BRANCH OP THE "WESTERN ASSURANCE 

COMPANY," TORONTO, CANADA. 

DSTOBIT Oapital, $300,000. 
FREDERICK B. CARPENTER, Kew JPngktnd Manager, 

Office^ 92 Water Street^ Boston, 



Detailed Statemskt of Stocks 



Unitec] States bonds, . 

City of Col ambus, Ohio, bonds 

City of Toledo, Ohio, bonds, 

Georgia State bonds, 

City of Richmond, Va., bonds, 

Dominion of Canada stock, 

Colorado Springs, Col., water works bonds, 

Rochester, N. Y., Railway Co. bonds, 

Chicago sanitary district bonds. 

City of Portland, Ore., bonds, . 

Chicago Electric Transit Co. bonds, 

Canadian Bank of Commerce stock. 

Imperial Loan and Investment Co. stock. 

Dominion Savings A Investment Co. stock, 

Canada Permanent Loan & Savings Co. stock 

Freehold Loan & Savings Co. stock* 

Toronto Loan & Savings Co. stock, . 

Central Canada I^an & Savings Co. stock, 

Toronto l^an & Savings Co. debentures. 

Central Can. Loan & Savings Co. debenturca 

City of London, Ont., debentures, . 

City of Montreal, Que., debentures, . 

City of Toronto, Ont., debentures, . 

tity of Kingston, Ont, debentures, . 

City of Winnipeg, Man., debentures, 



AND Bonds. 

Par ValiM. 
1241,000 00 

60,000 00 
60,000 00 
26,000 00 
42,000 00 
66,860 00 
26,000 00 
20,000 00 
60,000 00 
60,000 00 
26,000 00 
40,000 00 
26,000 00 
16,000 00 
8,600 00 
9,600 00 
22,600 00 
20,000 00 
26,000 00 
46,000 00 
40,000 00 
46,000 00 
60,000 00 
21,300 00 
24,000 00 



MutatValiN. 

$267^10 00 
68,760 00 
62,760 00 
26,260 00 
41,160 00 
68,050 00 
26,250 00 
21,650 00 
62,876 00 
67,400 00 
27,937 50 
60,800 00 
25,000 00 
11,250 00 
4,376 00 
9,500 00 
25,000 00 
24,000 00 
26,000 00 
45,000 00 
41,168 00 
46,413 00 
61,116 00 
24,074 48 
26,025 80 



f 1,040,160 00 f 1,118«804 73 



SUHMABT OF ASSETS DbO. 81, 1896. 

Loans on mortgage of real estate (first liens *), ^20flOO 00 

Stocks and bonds, as per schedule, • . . 1,118,804 78 

Cash in the office of the company, ... 98 40 

Cash deposited in bank, 178,271 37 

Premiums in course of collection (gross), . 294,238 71 

Notes taken for marine and inland lisks, . 80,281 14 

Gross assets 11,686.689 35 

• Total Taloe of property raortgaged, $43,500 00 

Amount of Inaaranoc held m ooUatend • 1B,SOO 00 



WE8TEBN A88UBAKCE GO. 



463 



UnadmUled, 



Special deposits Id other States, 
Cash not in control of trustees, 



9228,710 00 
11,719 85 



•240,429 85 



Balance, •1,396,259 50 



LiABiunss. 

Losses adjusted and reported, . • 
Losses disputed or resisted. 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital. 
Deduct liability on special deposits, . 



. •140,017 61 

17,568 30 

896,268 89 

38,378 25 

. f 1,092,233 05 
107,859 29 



984,373 76 



Surplus as regards policy holders, ^41 1,885 74 

Deposit capital, 300,000 00 



Surplus over capital, •111,885 74 



Income. 

Fire premiums outstanding Dec. 31, 1895, 
Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash fire premiums received. 

Marine premiums outstanding Doc. 31, 1895, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected. 

Less reinsurance and return premiums, . 

Net cash marine premiums received. 

Interest and di\idends received from all sources, . 



•266,092 80 
1,850,022 71 

•2,116,115 51 
275,835 40 

•1340,280 11 
378,672 08 

•42,624 95 
321,377 82 

•364,002 77 
48,679 45 

•315323 32 
52,528 56 



•1,461,608 03 



262,794 76 
54,163 75 



Gross cash income, •I, 778,566 54 



464 



WESTEBN ASSUBANGE CO. 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and roinsuraDce, 

Kct cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals. 

Gross cash expenditures, . 



1905,950 3d 
56,101 78 

1371,813 21 
103,301 21 



#849348 55 



268,512 00 

352,704 86 

38,600 00 

42,409 SI 

151,060 36 



. 11,703,135 



Risks and Pbbmiuhs. 

Fire risks outstanding Dec. 31, 1895, • $136,130,535 00 f 1,784,289 47 
Fire risks written during 1896, . . 125,307,630 00 1^50,022 71 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . . . 
Deduct amount reinsured. 

Net amount in force, 

Marine risks outstanding Deo. 31, 1895, 
Marine risks written during 1896, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 

Deduct amount reinsured, • • 

Net amount in force, . • 



$261,438,165 00 $3,634,312 18 
134,049,561 00 1,910,018 97 



$127,388,604 00 $1,724,298 SI 
4308,227 00 50,627 96 



$122380377 00 $1,673,770 25 

$8310,950 00 $114365 5S 
44,902,373 00 321,377 82 



$53,213323 00 $4353^3 S4 
46,407,501 00 322396 79 



$6305,822 00 $112,946 55 
1320,659 00 40,146 98 



$4,985,168 00 $72,799 57 



Miscellaneous. 



Fire losses incurred during the year. 

Marine and inland losses incurred during the year, 



$818379 00 
279334 00 



AGGREGATE. 



Deposit capital, . 
Gross present assets,* . 
Gross present liabilities,! 



Income. 
Xet cash received for fire premiums, .... 
Net cash received for marine and inland premiums, . 
Interest received from all sources, .... 
Miscellaneous, 



Total income, 

EXPENDITOBES. 

Net cash paid for fire losses, .... 
Net cash paid for marine and inland losses, 
Cash paid for commissions and brokerage, . 

for salaries of officers and employees, 

for State and local taxes, . 

for all other items, .... 



Total expenditures. 



Risks and Premiums. 
Fire risks written during the year, 
Preminms thereon, ..... 
Marine and inland risks written during the year, 

Preminms thereon, 

Fii-e risks terminated, . . • 

Marine risks terminated, 

Fire risks outstanding at end of year, . 
Marine risks outstanding at end of year, . 
Fire losses incurred -during the year, . 
Marine losses incurred during the year. 



18,100,000 
160,626,681 
136,869,288 



140,752,525 

3,843,088 

2,028,041 

182,785 



146,806,439 



122,455,814 
2,569,509 
8,110,682 
2,832,779 
1,078.628 
2,749,116 



139,796,528 



15,105.588,412 

53,624,980 

1,516,100,265 

5,479,925 

4,980,981,255 

1,497,973,001 

5,945,827,120 

86,213,044 

21,846,239 

2,490,072 



* ImmedUt«ly available for the payment of loeaes In this State. 

t Not tDeladiog liabilities in States wherein special depoeiu have been made. 



APPENDIX. 



APPENDIX. 



GLOUCESTER MUTUAL FISHING INSURANCE COMPANY, 

GLOUCESTER.* 

[Ineorponted 1847. Commeoced basinets 1847.] 
DAVID B. PRESSOSr, President. FRANCIS BENNETT, Secretary. 

SuuMARY OF Assets Dec. 31, 1896. 

Cash Id bank and in course of collection, . 917,008 17 

Gross assets, 117,008 17 

Liabilities. 
Losses claimed and reported, .... 11,530 00 

Losses disputed or resisted, .... 7,000 00 

State and local taxes, 191 70 

Gross liabilities 18,721 70 

Income. 

Premiums on risks written or renewed, . . 1101,171 94 
Less rebate and return premiums, . . . 54,517 01 
Ket cash premiums received, .... 146,654 93 

Expenditures. 
Cash paid for marine losses, .... 9^0,240 54 

Deduct salvage and reinsurance, . . . 1,157 36 

Net cash paid for losses, t3d>0S3 18 

Cash paid for salaries of officers and employees, . . . 3,480 50 

for State and local taxes, 617 67 

for rents, 750 00 

for interest, 498 64 

for discount for prompt payment of assessments, . 479 18 

for incidentals, 478 78 

Gross cash expenditures, f4t5fiS7 95 

Risks and Premiums. « . 

Marine risks written during 1896, . . .$1,260,005 00 1101,17194 
Marine risks expired and terminated, . . 1,260,005 00 101,17194 

Miscellaneous. 
Marine losses incuiTed during the year, 938,339 00 

* The ftoek Is sntwertbed aonoally, lo November, in shares of $1,000 each, for which ft stoek- 
Dote is given of $200 per share, apon which all assessments are made. Each subscriber is 
required to insure vessel property to at least seven*eighths of the amoant of stock taken by him. 
No veasels are lasared except Oiooeester fishing vessels. No one risk exceeds $10,000. Ail 
risks termlnste on the fifteenth day of November of each year, and each year's business is 
■sltled at the close of the year. Preminms commence in November at per cent., and decrease 
IS the season advances to 4 per cent., which is the lowest premlom. 



470 BEPORT OF THE 



SUGGESTIONS FOR LEGISLATION. 



CommoniD^att^ of gPlBSsac^nsetts* 



Inbubanob Depabthent, Boston, Jan. 1, 1897. 

To the Honorable the Senate and House of Represefdatives in General 

Court assembled. 

In accordance with the provisions of law, herewith is sub- 
mitted sach portions of the forthcoming report of the Insurance 
Commissioner as contain suggestions for legislative action : — 

Section 3 of chapter 522, Acts of 1894, should be amended 
by inserting in the fourth line of said section, after the word 
** destruction, ** the word ** loss," so as to cover the property 
for which insurance is provided in chapter 474 of the Acts of 
1895. 

Sections 6 and 24 should be amended by inserting the word 
*< examiner,'' for which provision was made in chapter 335 of 
the Acts of 1896. 

Section 16 should be*'amended by striking out all after the 
word ** statements," in the fourth line, the requirements there- 
after following being placed by law upon the Fire Marshal of 
the Commonwealth. 

The last paragraph in section 28 should be amended by add- 
ing after the word ** agent," in the fifth line, the words "in 
Massachusetts," and also by adding after the word ** whoever," 
in the fifth line, the words *< unless a licensed broker." 

Section 89 should be amended at the close of the first para- 
graph by adding a requirement that the provisions thereof 
should be attested under oath by the proper officers to the 
insurance department. 

The experience of the past year only adds emphasis to the 
suggestion of the commissioner in his report one year ago, thftt 



INSURANCE COMMISSIONER. 471 

insurance companies organized under the laws of this Common- 
wealth should be absolutely prohibited from transacting busi- 
ness in States into which they have not been lawfully admitted. 

The requirement for bonds of certain agents provided in 
section 92 might well be stricken out, and a penalty for non- 
compliance with the provisions of said section be made in the 
revocation of the license of the offending party. 

The provisions of section 20 having been changed from their 
original form, the penalty provided in section 102 does not now 
apply » and the last-named section should be repealed, or its 
provisions made to apply to section 84. 

The statute governing fraternal beneficiary associations should 
be amended by the insertion practically of the provisions of 
section 13 of the law governing assessment insurance. 

Respectfully submitted, 

GEORGE S. MERRILL, 

Insurance Conimissioiier, 



New iNstJRANGE Statutes. 

The following acts, in addition to those printed in the last 
report, were passed by the Legislature of 1896 and 1897, and 
are hereby published for information : — 

[Acts of Idoe •ubseQu«nt to those published In last Firs Report ] 

[Chap. 253.] 
Ak Act RKLAxrvK to directors of domestic stock insurance 

COMPANIES. 

Be U enacted^ etc , cufolUnOBt 

Segtiok !• A majority only of the board of directors of every 
domestic stock insarance company shall be required to be residents 
of this Commonwealth. 

SscnoK 2. So mnch of section thirty«two of chapter five bandred 
and twenty-two of the acts of the year eighteen hundred and ninety^ 
four as is inconsistent herewith is hereby repealed. 

SKcnoir 8. This act shall take effect upon its passage. [^Ap'^ 
proved April 7, 1896. 



472 REPORT OF THE 



[Chap. 270.] 

An Act relative to the admission of mtttual fire insurance 

companies to transact business in this commonwealth. 
Be it enacted^ etc.^ as follows: 

Section 1. The second paragraph of section seventy-eight of 
chapter five hundred and twenty-two of the acts of the year eighteen 
handred and ninety-four is hereby amended by inserting in the tenth 
line, after the word '* plan", the following words : — or that it pos- 
sesses net cash assets of not less than one handred thousand dollars 
or net cash assets of not less than fifty thousand dollars, with also 
invested assets of not less than one handred thousand dollars, and, in 
each case, with additional contingent assets of not less than three 
hundred thousand dollars, and, — so that said paragraph as amended 
will read as follows : — Second, It shall satisfy the insurance commis- 
sioner that it is fully and legally organized under the laws of its state 
or government to do the business it proposes to transact ; that it has, 
if a stock company, a fully paid up and unimpaired capital, exclusive 
of stockholders' obligations of any description, of an amount not less 
than is required of similar companies formed under the provisions of 
this act, and, if a mutual company, other than life, that it has net cash 
assets equal to the capital required of like companies on the stock 
plan ; or that it possesses net cash assets of not less than one hundred 
thousand dollars or net cash assets of not less than fifty thousand 
dollars, with also invested assets of not less than one hundred thou- 
sand dollars, and, in each case, with additional contingent assets of not 
less than three hundred thousand dollars, and that such capital or net 
assets are well invested and immediately available for the payment 
of losses in this Commonwealth ; and that it insures on any single 
hazard a sum no larger than one tenth of its net assets. 

Section 2. This act shall take effect upon its passage. [^Ap- 
proved April 13^ 1896. 



[Chap. 335.] 
An Act to authorize the appointment of ak examiner for thk 

INSURANCE department. 

Be it enacted, etc., as follows : 

Section 1. The insurance commissioner is hereby anthorized to 
appoint, iu the same manner in which under the provisions of law be 
may appoint a deputy commissioner, an examiner for the insarance 
department, at an annual salary of two thousand dollars. 

Section 2. This act shall take effect upon its passage. [Ap- 
proved April 28, 1896. 



INSURANCE COMMISSIONER. 473 

[Chap. 394.] 
Ak Act relative to the mew England burglary insurance 

COMPANY. 

Be it enacted^ etc, as follows : 

Section 1. Section one of chapter seven ty-seven of the acts of the 
year eighteen handred and ninety-foar is hereby amended by insert- 
ing after the word " by ", in the tenth line, the word : — theft, — so 
that said section as amended will read as follows: — Section 1. 
William L. Douglas, Hosea Kingman, John J. Whipple, Walter Rapp, 
Emery M. Low, William R. Mitchell, George D. Alden, Henry L. 
May, £. Bertram Newton, Samuel M. Child, George R. Stimpson, 
Emannel Nussbaum, their associates and successors, are hereby made 
a corporation by the name of the New England Burglary Insurance 
Company, to be established in the city of Boston, for the purpose of 
carrying on the business of guaranteeing individuals, firms and cor- 
porations against loss and damage by theft, burglary or housebreak- 
ing; and for this purpose shall have all the powers aod piivilcgcs 
and be subject to all the duties, restrictions and liabilities, so far as 
the same shall be applicable, set forth in chapter two hundred and 
fourteen of the acts of the year eighteen hundred and eighty-seven 
and all acts in amendment thereof or in addition thereto. 

Section 2. This act shall take effect upon its passage. [4P" 
pTW)ed May 12, 1896. 

[Chap. 402.] 

An Act relative to bonds given by agents of foreign insur- 
ance companies. 
Be it enacted, e/c, as follows : 

Section 1. Section ninety-two of chapter five hundred and 
twenty-two of the acts of the year eighteen hundred and ninety four 
is hereby amended by striking out in the thirty-sixth and thirty* 
seventh lines, the words ^^ of life or accident insurance companies ", 
80 as to read as follows : — Section 92. Every person acting for a 
foreign insurance company shall exhibit in conspicuous letters, on the 
sign designating bis place of business, the name of the state or conn* 
try ander whose authority the company he represents has been incor- 
porated or formed. And said company and agent shall also have 
printed in large type the name of snch state or country and the kind 
of office, whether chartered or formed as a mutual or stock company, 
upon all policies issued to citizens of this Commonwealth, on all cards, 
placards and pamphlets, and in all advertisements published, issued or 
circulated in this Commonwealth by them or him, relating to the busi- 
ness of snch company. 



474 BSFORT OF THE 

Every agent of a foreign insurance company, before transacting any 
business in this Commonwealth, shall file with the treasurer of the 
Commonwealth a bond with two sureties approved by the inaarance 
commissioner in the penal sum of five hundred dollars, conditioned 
that such agent shall, on or before the fifteenth day of November in 
each year, make return to the tax commissioner of all business trans- 
acted by him as such agent during the year ending with the thirty-first 
day of October then next preceding, in such form as the tax commis- 
sioner may prescribe ; and also that all the books, papers and accounts 
of his agency shall be open to the inspection of the tax commissioner 
at any time whenever he may deem it proper to verify the statement 
of transactions aforesaid. If any such agent shall refuse to submit 
the books, papers and accounts of his agency to such inspection, he 
shall be liable to a penalty of not less than fifty nor more than five 
hundred dollars, which may be recovered in a suit upon said bond, 
and the tax commissioner shall report such refusal to the insurance 
commissioner, who shall thereupon cancel his certificate of authoritj 
to such agent, and the certificate so cancelled shall not be renewed 
within one year thereafter ; but only such agents are required to give 
bond as are not accountable to any other agent in the Commonwealth 
for premiums received. 

Section 2. This act shall take effect upon its passage. [Ap- 
proved May 15j 1896, 

[Chap. 447.] 

An Act to authorizk credit insurance co^ipanibs to do busi- 
ness IN this commonwealth. 
Be it encLcUd^ etc., as follows : 

Section 1. Section twenty-nine of chapter five hundred and 
twenty-two of the acts of the year eighteen hundred and ninety-foar, 
as amended by section one of chapter four hundred and seven ty-foar 
of the acts of the year eighteen hundred and ninety-five, is hereby 
amended by adding at the end of said section the following words : — 
Ninth, To carry on the business commonly known as credit insurance 
or guaranty, either by agreeing to purchase uncollectible debts, or 
otherwise to insure against loss or damage from the failure of peraons 
indebted to the assured to meet their liabilities, — so as to read as 
follows : — Section 29, Insurance companies may be formed as pro* 
vided in section thirty for any one of the following purposes, to wit : — 

First, To insure against loss or damage to property by fii*e, light* 
ning, or tempest on land, upon the stock or mutual plan. 

Second, To insure upon the stock or mutual plan, vessels, freights, 
goods, money, effects, and money lent on bottomry or respondenttft, 
against the perils of the sea and other perils usually insured against 



INSUBAKGE COMMISSIONER. 475 

by marine insiiraxice, InclndiDg rifiks of inland navigation and trans- 
portation. 

Third, To guarantee the fidelity of persons in positions of trust, 
private or public, and to act as surety on official bonds and for the 
performance of other obligations. 

Fourth, To insure against loss or damage to property of the assured, 
or loss or damage to the life, person or property of another for which 
tbe assured is liable, caused by the explosion of steam boilers. 

Fifth, To insure any person against bodily injury or death by acci- 
dent, or any person, firm or corporation against loss or damage on 
account of the bodily injury or death by accident of any person for 
which loss or damage said person, firm or corporation is responsible. 

Sixth, To insure against the breakage of plate glass, local or in 
transit. 

Seventh, To insure against loss or damage by water to any goods 
or premises arising from the breakage or leakage of sprinklers and 
water pipes. 

Eighth, To insure against loss or damage to property arising from 
accidents to elevators, bicycles and vehicles, except rolling stock of 
railways. 

Ninth, To carry on the business commonly known as credit insur- 
ance or guaranty, either by agreeing to purchase uncollectible debts, 
or otherwise to insure against loss or damage from the failure of per- 
sons indebted to the assured to meet their liabilities. 

Section 2. Section thirty-one of said chapter five hundred and 
twenty-two, as amended by section two of chapter four hundred and 
seventy-four of the acts of the year eighteen hundred and ninety-five, 
is hereby amended by striking out in the eleventh and twelfth lines, 
the words ^^or eighth", and inserting in place thereof the words: — 
eighth or ninth, — so as to read as follows: — Section 31, No cor- 
poration so formed shall transact any other business than that specified 
in its charter and articles of association. Companies to insure plate 
glass may organize with a capital of not less than one hundred thou- 
sand dollars. Companies so formed insuring marine or inland risks 
upon the stock plan shall have a capital of not less than three hun- 
dred thousand dollars. Companies so formed for the transaction of 
fire insurance on the stock plan, of fidelity insurance, of accident 
insurance, of steam boiler insurance, or for the transaction of the 
business authorized under the seventh, eighth or ninth paragraph of 
section twenty-nine of this act shall have a capital of not less than two 
hundred thousand dollars. Companies may be so formed to insure 
mechanics' tools and apparatus against loss by fire for an amount not 
exceeding two hundred and fifty dollars in a single risk, with a capital 
of not less than twenty-five thousand dollars, divided into shares of 
the par value of ten dollars each. 



476 REPORT OF THE 

Mutual companies heretofore organized to transact employers' 
liability insurance may continue such business under the fifth para- 
graph of section twenty-nine of this act, and such companies shall be 
subject to the laws, so far as applicable, in relation to mutual fire 
insurance companies. No company shall be required to have on de- 
posit with the treasurer of the Commonwealth an amount in excess of 
what is sufficient to enable it to comply with the laws of the states in 
which it transacts business ; and all sums in excess of this amount 
held on deposit with the treasurer of the Commonwealth or elsewhere 
shall be counted as of the surplus funds of the company. 

Section 3. This act shall take efliect upon its passage. [^Approved 
May 28, 1896. 

[Chap. 448.] 
Ak Act relative to insurance brokers. 
Be U enacted, etc., as follows : 

Section 1. The second paragraph of section ninety-three of chap- 
ter five hundred and twenty-two of the acts of the year eighteen 
hundred and ninety-four, as amended by section two of chapter fifty- 
nine of the acts of the year eighteen hundred and ninety-five, is 
hereby amended by inserting in the second line of said paragraph, 
after the word *' person ", the words : — a resident of this Common- 
wealth or a resident of any other state granting like certificates to 
residents of this Commonwealth, — so that said second paragraph 
shall read as follows : — The insurance commissioner may, upon iht 
payment of a fee of ten dollars, issue to any suitable person, a resi- 
dent of this Commonwealth or a resident of any other state granting 
like certificates to residents of this Commonwealth, a certificate of 
authority to act as an insurance broker to negotiate contracts of 
insurance or reinsurance or place risks or effect insurance or rein- 
surance with any qualified domestic insurance company or its agents, 
and with the authorized agents in the Commonwealth of any foreign 
insurance company duly admitted to do business in the Commoo- 
wealth. 

Section 2. This act shall take effect upon its passage. [Ap- 
proved May 28 y 1896. 

[Chap. 470.] 

An Act relattvb to the surrender talub of endowkent 

policies. 

Be it enacted, etc, as foUows : 

Section seventy-six of chapter five hundred and twenty-two of the 
acta of the year eighteen hundred and ninety-four is hereby amended 
by striking out in the thirty-fifth, thirty-sixth and thirty-seventh lines. 



I178URANCE COMMISSIONER. 477 

the words ^^ provided^ that from the surrender value of all endowment 
policies the company may deduct five per cent." , and by striking out 
in the forty-fifth and forty-sixth lines, the words ^^providedy that 
from such net value of all endowment policies the company may de- 
duct five per cent.'% so as to read as follows : — Section 76, All 
policies hitherto issued by any domestic life insurance company shall 
be subject to the provisions of law applicable and in force at the date 
of such issue. No policy of life or endowment insurance hereafter 
issued by any such company shall become forfeit or void for non- 
payment of premium after two full annual premiums, in cash or note, 
or both, have been paid thereon ; but in case of default in the pay- 
ment of any subsequent premium, then, without any further stipula- 
tion or act, such policy shall be binding upon the company for the 
amount of paid up insurance which the then net value of the policy 
and all dividend additions thereon, computed by the rule of section 
eleven, less any indebtedness to the company on account of said 
policy, and less the surrender charge provided herein, will purchase 
as a net single premium for life or endowment insurance maturing or 
terminating at the time and in the manner provided in the original 
policy contract ; and such default shall not change or affect the condi- 
tions or terms of the policy, except as regards the payment of pre- 
miums and the amount payable thereon. Said surrender charge shall 
be eight per cent, of the insurance value of the policy at the date of 
default, which insurance value is the present value of all the normal 
future yearly costs of insurance, which by its terms said policy is 
exposed to pay in case of its continuance, computed upon the rate of 
mortality and interest assumed in section eleven. Every such policy, 
after the payment of two full annual premiums thereon, or when by 
its terms it has become paid up, shall have a surrender value which 
shall be its net value, less the surrender charge, and less any indebt- 
edness to the company on account of the said policy, and its holder 
maiy, upon any subsequent anniversary of its issue, surrender the 
same and claim and recover from the company such surrender value 
in cash. On policies of prudential or industrial insurance on which 
the weekly premiums are not more than fifty cents each, the surrender 
value in all cases shall be payable in cash. Upon surrender, on any 
anniversary of its issue, of a policy which has become paid up after 
the payment of two full annual premiums, by force of the statute, 
upon default in payment of premium, the holder shall be entitled to 
its net value, payable in cash. But no surrender of a policy shall be 
made without the written assent of the person to whom the policy is 
made payable. Any condition or stipulation in the policy or else- 
where, contrary to the provisions of this section, and any waiver of 
such provisions by the insured, shall be void. [^Approved June 4, 
1896. 



478 REPORT OF THE 

[Chap. 615.] 
An Act rblatiye to assessment insurance corporations. 
Be it enacted^ etc,^ <u follows : 

Section 1. Hereafter in every policy or certificate issaed to a 
resident of Massachasetts by any corporation transacting thereia the 
business of life insurance upon tlie assessment plan, and in every ap- 
plication for such policy or certificate, there shall be printed in bold 
type, making one of the principal lines near the top thereof, the 
words ^* Assessment Plan ", and the same words shall be printed oon- 
spicuonsly in or upon every circular, card, advertisement and printed 
document issued by such corporation within this Commonwealth. 

Section 2. At the expiration of the time for payment stated in 
each call or notice of an assessment for mortuary, disability or ex- 
pense purposes, made by any corporation referred to in the preceding 
section, the officers of such corporations shall at once forward by 
registered mail to each person who has failed to make the payment 
demanded, a notification of such failure, and if within fifteen days 
after the receipt of such notification, as shown by the date upon the 
return card, the insured shall, make payment of such call or assess- 
ment, with the additional amount of fifty cents, such policy or certifi- 
cate shall be continued in force the same as if payment had been 
made under the terms of the original call or assessment. 

Section d. Whenever a petition signed by not less than one tenth 
of the holders residing in Massachusetts, of policies or certificates 
outstanding upon the thirty-first day of December next preceding the 
date of the petition, as shown by the annual statement of said com- 
pany to the insurance commissioner, of any domestic assessment 
insurance company or association doing business under chapter four 
hundred and twenty-one of the acts of the year eighteen hondred and 
ninety and acts in amendment thereof, shall be presented to the gor- 
ernor asking for an investigation of the management, business and 
afliairs of said company or association, the governor shall, by and with 
the consent of the council, appoint a commission of not less than 
three nor more than seven policy or certificate holders of said com- 
pany, who shall be residents of this Commonwealth, none of whom 
shall be an officer, director, agent or employee of any life insorance 
company or assessment association. Said commission shall forth- 
with proceed thoroughly to inspect and examine the affairs of said 
company, especially as to its financial condition and ability to fulfil 
its obligations, and whether it has complied with the laws of this 
Commonwealth, and whether the officers thereof have been gnilty of 
any fraudulent or unlawful conduct in the management of its affairs. 
For the purposes of such investigation said commission shall have 



INSURANCE COMMISSIONER. 479 

the power to employ all necessary agents, examiners, experts and 
coansel, but shall not so employ any person who is an officer, director, 
agent or employee of any other life insurance company or assessment 
association. For the purpose of such examination the commission, 
or persons making the examination for them, shall have free access 
to all books, papers and contracts of said company, or which relate to 
its business, and may summon and qualify as witnesses under oath, 
and examine, the directors, officers, agents and trustees of such com- 
pany or association, and any other persons, in relation to its business, 
its present and past affairs, transactions and condition. Any justice 
of the supreme judicial court or of the superior court, either in term 
time or vacation, upon the application of the commission, may in bis 
discretion compel the attendance of such witnesses and the giving of 
testimony before the commission, in the same manner and to the 
same extent as before said courts. The reasonable compensation of 
and expenses